help me get credit card .

[8086_16bit]

hi guys ,
my credit score is low(700) , i don't have any card . i applied for icici (salary acc) still got rejected ,
can anyone suggest which card i can get .
or fd card is my last option .

thanks

 

[hitirfan]

hi guys ,
my credit score is low(700) , i don't have any card . i applied for icici (salary acc) still got rejected ,
can anyone suggest which card i can get .
or fd card is my last option .

thanks

Why is your score low?

 

[TaxWiser]

hi guys ,
my credit score is low(700) , i don't have any card . i applied for icici (salary acc) still got rejected ,
can anyone suggest which card i can get .
or fd card is my last option .

thanks

Hey Buddy
My suggestion would be, first open any Pay later account or Last option mentioned by you i.e. FD CC, then utilize 3%-9% of Sanctioned Limit and pay it on time after bill generation. Thus Improving your CIBIL score in 3-7 months. After that Apply for Amazon Pay ICICI CC during Sale Period or in last quarter of Financial year b'coz Approval chances are high during this period.

Improving CIBIL should be your first priority b'coz person with Nil CIBIL Score has higher chances of getting credit card compared to a person with low CIBIL Score.

And if you have good CIBIL Score then your Bank might offer Pre-approved LTF CC

 

[8086_16bit]

Why is your score low?

idk man , i had 750 score , but then i applied for 6-7 credit cards from different banks , and got rejected all and because of that my credit score dropped ,

 

[8086_16bit]

Hey Buddy
My suggestion would be, first open any Pay later account or Last option mentioned by you i.e. FD CC, then utilize 3%-9% of Sanctioned Limit and pay it on time after bill generation. Thus Improving your CIBIL score in 3-7 months. After that Apply for Amazon Pay ICICI CC during Sale Period or in last quarter of Financial year b'coz Approval chances are high during this period.

Improving CIBIL should be your first priority b'coz person with Nil CIBIL Score has higher chances of getting credit card compared to a person with low CIBIL Score.

And if you have good CIBIL Score then your Bank might offer Pre-approved LTF CC

which pay later would you recommend ? i use simpl ,but i dont think it has effect on cibil .

 

[hitirfan]

idk man , i had 750 score , but then i applied for 6-7 credit cards from different banks , and got rejected all and because of that my credit score dropped ,

Itna thodi hoga 6-7 se. Mera 743 tha 25 enquiries se 732 poncha

 

[Anil98]

700 is fine , go for some less value card like rbl banbazzar save max then after keeping it for some time apply for your next card

 

[Skylar]

Itna thodi hoga 6-7 se. Mera 743 tha 25 enquiries se 732 poncho

25 Enquiries q bhai
CC ya other loans?

 

[8086_16bit]

Itna thodi hoga 6-7 se. Mera 743 tha 25 enquiries se 732 poncha

PTA nhi bhai mereko bhi .
Me slice use karta hu or on time payment karta hu .par mera score change hi nhi hota bas girta rehta hai .

 

[hitirfan]

25 Enquiries q bhai
CC ya other loans?

CC ke liye. Isi February mai start kiya maine CC ke liye apply karna to karte gaya karte gaya. Fir samaj aya I won't get any CC by applying online.

 

[hitirfan]

PTA nhi bhai mereko bhi .
Me slice use karta hu or on time payment karta hu .par mera score change hi nhi hota bas girta rehta hai .

Credit Utilization zyada to nahi hai? Can you show us your Credit Report?

 

[TaxWiser]

which pay later would you recommend ? i use simpl ,but i dont think it has effect on cibil .

I started building my credit score by Amazon Pay Later when I was a student with no income nil cibil score. And after 9 months I applied for Amazon Pay ICICI CC, once it got approved, I just closed my Pay later account

PTA nhi bhai mereko bhi .
Me slice use karta hu or on time payment karta hu .par mera score change hi nhi hota bas girta rehta hai .

Try to Raise Disputes on CIBIL website, if their's some incorrect information is visible in your CIBIL report.
And if Everything is Right then try following this video:

 

[8086_16bit]

I applied for rbl bank , idfc , but got rejected .
Idfc show to open fd linked .

I think fd link cc is my last option .

Can anyone suggest which fd link cc should I go with ?

 

[hitirfan]

One Card, IDFC WOW, Magnet Card nikla hai kuch ajkal. Zyada amount ka FD kar sakte ho fir HDFC Bank ke Cards milenge

 

[8086_16bit]

One card not issuing cards anymore.
Magnet karne ka soch rha hu ( but is it safe ?)
Also how much amount fd should I go for ?
Thinking of 5k .
Should it be good to improve my score in 2-3 months ?

Thanks guys for suggestions .

 

[Skylar]

CC ke liye. Isi February mai start kiya maine CC ke liye apply karna to karte gaya karte gaya. Fir samaj aya I won't get any CC by applying online.

Credit age kithna hey?

merako sab card online apply karne pe hi milla, Ek bi offline nehi liya meh abhi tak.

 

[hitirfan]

Credit age kithna hey?

merako sab card online apply karne pe hi milla, Ek bi offline nehi liya meh abhi tak.

First loan 2017 mai liya tha.

I live very far from city. Kinda unservicabale. Bank pe apply karne se KYC b wahin ho jati hai fir no issue

 

[hitirfan]

One card not issuing cards anymore.
Magnet karne ka soch rha hu ( but is it safe ?)
Also how much amount fd should I go for ?
Thinking of 5k .
Should it be good to improve my score in 2-3 months ?

Thanks guys for suggestions .

Phale dekho reason kya hai kam credit score ka uske baad he bata sakte hain wo theak hoga ya nahi

 

[Skylar]

One card not issuing cards anymore.
Magnet karne ka soch rha hu ( but is it safe ?)
Also how much amount fd should I go for ?
Thinking of 5k .
Should it be good to improve my score in 2-3 months ?

Thanks guys for suggestions .

Onecard is being issued I guess, one of the members posted they got their card delivered on 20th july.
Ye magnet vagnet se better kisi bank ka FD card lelo more chances of getting their unsecured cards in future.

 

[Skylar]

First loan 2017 mai liya tha.

I live very far from city. Kinda unservicabale. Bank pe apply karne se KYC b wahin ho jati hai fir no issue

In my location:
Axis, HDFC, Kotak, AU - Did offline verification and KYC

IDFC, ICICI, SIB (onecard) - Only Vkyc not even offline vefirications.

HDFC
- 2022 - First HDFC card that time only phone verifications were done no KYC
- 2023 - For second HDFC card they did offlice Kyc (tata neu)
- 2024 - For third HDFC card instant approval no Kyc (Swiggy)


Kotak
- 2018 - First credit card from them as having account with them no verification or Kyc.
- 2024 - Too myntra card and they did offline Kyc both office and home verification even though I'm having account with them for 9 years now.

Axis
- First card offline kyc
- Second card instant approval