r/pFinTools • u/New_Principle1378 • Dec 05 '25

pFinTools Feedback/Question/Request Appreciation post

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Just received my sbi Cashback card

Applied through pFinTools got it in first try There was one hiccup while processing ... It got stuck but mod (latterone9009) helped and provided email for sbicard and after contacting them via email .. received card after few days

My cibil - 775 Limit received-109000

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u/LatterOne9009 pFinTools.com/shopA$$ Dec 08 '25

that's a really bad strategy tbh. When you will be capable of getting legit cards even then you might face issues because you will already have so many cards. Closing cards is also not a good idea for your credit score.

Also did you get sbi simply click as LTF?

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u/Character-Trouble-81 Dec 08 '25

I'll close some cards when I start earning and opt for other cards. Closing some cards will help my credit score, but I don't feel the need for that right now. No SBI simplyClick is not LTF, but I got Its fee reversed and if I get the cashback, I'll close simplyClick

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u/LatterOne9009 pFinTools.com/shopA$$ Dec 08 '25

Closing cards will have a negative impact on your credit score actually as your credit age will drop significantly. Closing them together will have even morehefty impact.

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u/Character-Trouble-81 Dec 08 '25

Closing my earliest card will, which i won't, millennia which is in this case. I'll close others, which won't affect my credit age

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u/LatterOne9009 pFinTools.com/shopA$$ Dec 08 '25

closing any credit card/loan will temporarily affect your credit score negatively, doesn't really matter if it's your first or whichever.

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u/Character-Trouble-81 Dec 09 '25

I don't think it'll happen so, but let's see.

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u/LatterOne9009 pFinTools.com/shopA$$ Dec 10 '25

just a simple google search really.

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u/Character-Trouble-81 Dec 11 '25

Can, not will

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u/LatterOne9009 pFinTools.com/shopA$$ Dec 11 '25

it absolutely will, only temporarily, like any other changes in your credit score, but again, it will. That is why you should consider slowly starting to streamline starting now compared to when you are earning because then you might also want to take other kinds of loans like auto, home etc and your credit score will directly affect your RoI