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

 

[credit_card_nooob]

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

kotak has stopped issuing credit cards man, thats my concern.

 

[hitirfan]

kotak has stopped issuing credit cards man, thats my concern.

FD wala card lelo to start Credit History then after 6 months u can try applying Unsecured Credit Cards.
Or move your salary account in HDFC or ICICI or Axis to receive pre-approved offers.

 

[hitirfan]

Another option is to apply offline through agents with your Salary slips

 

[Bhuvanchandra M]

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

kotak has stopped issuing credit cards for now

 

[abhimarda]

Another option is to apply offline through agents with your Salary slips

Kotak cannot issue any new credit cards per RBI diktat.

 

[hitirfan]

Kotak cannot issue any new credit cards per RBI diktat.

Mai Kotak ka nahi bola.

 

[Skylar]

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

Kotak cannot issue any new credit cards per RBI diktat.

kotak has stopped issuing credit cards for now

Existing Kotak users can obtain a credit card. However, only the onboarding of new customers online is prohibited.

 

[Skylar]

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 ?

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 ?

Online applications are entirely dependent on credit scores. Therefore, it is advisable to apply offline, where you can inform the bank that this is your first credit application and that you do not have a credit score yet.

An experienced employee who has helped newly salaried individuals obtain credit cards can easily assist you. However, if the employee seems inexperienced or doubtful about getting the application approved, it is better to avoid them.

 

[anupkuumar5]

If you want to use credit card to get rewards, you can use Kotak debit cards like silk platinum or PVR debit card. But if you want to use it for credit, you need to wait for sometime till you are eligible for credit card. If you use Airtel, myntra or Flipkart, you can try applying for their card on their portal.