HSBC

My cibil report shows "we are unable to generate cibil score for you" as i don't have any credit card or any loan.

Will this impact my BGV?

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Nope. No impact. HSBC is offering you a Job, not Credit Card or Loan. They just check the CIBIL score, if you’re a regular defaulter and have any financial criminal history.

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On a side note, it’s a good thing to keep a credit card. Just have control on your expenses and full pay on or before due date. This will also boost your credit score too in future. Good credit score also make you eligible for getting a loan in case of emergencies and needs.

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I had one education loan 6 years back but it's cleared already and I can see the same in cibil report

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Hi,
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Folks,

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