HSBC Credit Card
My name in defaulter list of CIBIL

I applied for home loan in SBI. In my home loan request following are the facts :-

1. Legal papers of property are OK

2. Technical survey is OK

3. My home loan Eligibility is OK

4. Personal documents are OK

5. Guarantor documents are OK

6. Property market value is very good

Based on CIBIL report, Only creditworthiness is NOT OK.

From CIBIL report some 3 credit card issues are reflecting, and these were not in my knowledge until SBI informed me.

In case of HSBC the card was issued on Date: 08-07 and immediately it was closed on Date: 20-07. Beacuse they committed different card, and issued different one. I am communicating banks, and in process of clarifying that there is no fault from my side.

Even in case if they don't take action on the same, then whether it is so improtant to consider such illogical credit card issues for approving big home loan.

I am financially very stable. My assets, my home loan repayment in past 2 years, my salary, No cheque bouncing proves it.

I feel that government is not having any control on credit card issues. Customer are being harrassed by banks. According to me nobody should take a credit card.

Company: HSBC Credit Card
Country: India

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