FLIPKART AXIS bank credit card rejected my application, with 70K salary and 2.5 lakhs in savings

[credit_card_nooob]

I'm a fresher (2024 graduate) and I applied for flipkart axis credit card as I'm planning on buying a new laptop
my balance is good enough , I have 2.5 Lakhs in savings in canara and my salary account is kotak
should I move my savings account to axis bank ? or should I tell them that I have balance ?
I even got rejected by HDFC swiggy credit card , amazon pay ICICI and SBI cashback.
Or should I start and FD based credit card and built my credit score and then apply again ?

 

[TaxWiser]

I'm a fresher (2024 graduate) and I applied for flipkart axis credit card as I'm planning on buying a new laptop
my balance is good enough , I have 2.5 Lakhs in savings in canara and my salary account is kotak
should I move my savings account to axis bank ? or should I tell them that I have balance ?
I even got rejected by HDFC swiggy credit card , amazon pay ICICI and SBI cashback.
Or should I start and FD based credit card and built my credit score and then apply again ?

If you can postpone your purchase till next BBD & GIF, You can either go with Pay Later account or FD based CC to build a Healthy credit score and then Apply for those CCs. If not try applying via branch. Also, if any of your family members have income proof documents (Salary Slip/ITR) then apply for the CCs in their name thus increasing overall chances of approval.

 

[Sd949]

I'm a fresher (2024 graduate) and I applied for flipkart axis credit card as I'm planning on buying a new laptop
my balance is good enough , I have 2.5 Lakhs in savings in canara and my salary account is kotak
should I move my savings account to axis bank ? or should I tell them that I have balance ?
I even got rejected by HDFC swiggy credit card , amazon pay ICICI and SBI cashback.
Or should I start and FD based credit card and built my credit score and then apply again ?

First go for kotak credit card, can easily get as you have salary account in Kotak . Then aster using try to get another card

 

[abhimarda]

First go for kotak credit card, can easily get as you have salary account in Kotak . Then aster using try to get another card

But Kotak has been barred from issuing any new credit card since few months by RBI