Does applying for multiple credit cards hurt my CIBIL score?
Aditi Raman
Asked 25 May 2026
I plan to apply for 3 credit cards in 2 months to maximise rewards. Will this hurt my credit score and my future loan eligibility?
2 Answers
I closed my HDFC card last year. The process took exactly 7 days. They sent a confirmation email and a closure letter by speed post. Tip: pay off the full outstanding and request closure only AFTER the payment reflects. Calling repeatedly with a zero balance is the fastest path.
I've been a customer for 6 years. The biggest upside is the customer service. The biggest downside is the slow mobile app. If you do most banking on the app, test the app at a branch before applying — it's surprisingly old.
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