Closed Card Still Active on CIBIL? Fix It Now

Closed your credit card but CIBIL still shows it as active? This error can hurt your credit score and block loan approvals. Here's exactly how to spot it and get it corrected fast.

Here's what happened: Banks are required to report credit card closures to bureaus like CIBIL, but delays of 60-90 days are common, leaving your report inaccurate.. An incorrectly active closed card inflates your credit utilisation ratio and can reduce your CIBIL score by 30-50 points, affecting loan eligibility.. You have the legal right to raise a free dispute on the CIBIL portal; the bureau must investigate and resolve it within 30 days under RBI guidelines..

What you should do: Download your free CIBIL report at cibil.com and check every credit card account — flag any card marked 'active' that you have already closed.. Collect your card closure confirmation letter or NOC from the bank, then raise a formal dispute under 'Dispute Centre' on the CIBIL website with this document attached.. If the error persists beyond 30 days after your dispute, escalate to the RBI Ombudsman at cms.rbi.org.in — banks face regulatory consequences for failing to correct wrong bureau data..

Always request a written closure confirmation or NOC from your bank the day you close a card — this single document is your strongest proof when disputing a CIBIL error later.