How many active credit cards do you have? Flash your portfolio.

[Shubham_19]

No not at all but if you do alot of enquiries in a month that will reduce your cibil score. After applying for 1 card atleast wait for 3 months to apply for next

If I get a free pre approved card from the bank, so should I wait for 3 months or get it immediately?

 

[hitirfan]

If I get a free pre approved card from the bank, so should I wait for 3 months or get it immediately?

U can get that immediately. No need to wait

 

[sam37037kap]

If I get a free pre approved card from the bank, so should I wait for 3 months or get it immediately?

Yes you should wait for 3 month's, pre approved card given to you by bank on basis of your cibil score. So when you apply for per approved card, it makes an enquiry after which you get a credit limit

 

[hitirfan]

Yes you should wait for 3 month's, pre approved card given to you by bank on basis of your cibil score. So when you apply for per approved card, it makes an enquiry after which you get a credit limit

Not necessary there will be Credit Check. As pre approved offers are based on soft enquiries already done by banks. If it is pre eligible or some other terminology, there may be Credit check.

 

[sam37037kap]

Not necessary there will be Credit Check. As pre approved offers are based on soft enquiries already done by banks. If it is pre eligible or some other terminology, there may be Credit check.

That's what i said brother, they will do the cibil check for your credit limit but not for card eligibility

 

[shalabh]

Updated list:

LTF:
HDFC Regalia Gold
IDFC First Wealth
ICICI Shaphiro
ICICI Amazon
Scapia
Axis Neo
Indusind Legend

Paid:
Axis Atlas
HDFC Marriot
HDFC Swiggy
Amex MRCC


Closed:
HSBC Millenia LTF - upgraded to Regalia Gold
IDFC First Select LTF - uograded to First Wealth
OneCard LTF
AU Ixigo LTF