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

 

[vakasahmad08]

LTF:
1. HDFC SWIGGY
2. ICICI AMAZON PAY

Paid:
3. HDFC MONEYBACK+ (499+GST)
4. SBI CASHBACK (999+GST)
5. RBL IRCTC RUPAY (499+GST)
6. AXIS AIRTEL (499+GST)
7. SBI PHONEPE SELECT BLACK (1499+GST)

 

[mr.das]

My Cards Portfolio:

1. SBI SIMPLYSAVE (499+ GST)
2. SBI CASHBACK (999+ GST)
3. AXIS AIRTEL (499+ GST)
4. AXIS FLIPKART (499+ GST)
5. HDFC TATA NEU (499+ GST)
6. FEDERAL SIGNET (LTF)
7. RBL BANKBAZAAR (LTF)
8. RBL SHOPRITE (LTF)
9. ONECARD (LTF)
10. HDFC SWIGGY (LTF)
11. AMAZON ICICI (LTF)
12. IDFC MILLENNIA (LTF)
13. IDFC DIGITAL RUPAY (199+ GST)
14. KOTAK 811 DREAM DIFFERENT (LTF)
15. ROARBANK CREDIT CARD (LTF)

 

[The Lone Crusader]

Mine

IDFC First Millennia LTF
ICICI Amazon Pay, Coral Rupay, Platinum Chip LTF
HDFC Millennia New LTF, Tata Neu Paid
OneCard LTF
RBL Platinum Edge SuperCard LTF
indusind platinum credit card LTF
Axis Ace Paid
Kotak MOjo LTF

Debit cards are much better

 

[prpillz]

My CC Portfolio(10yrs)(max CL 9.4L)

Axis Atlas-9.46L
Axis Privilege Amex-LTF-9.46L
Axis MyZone-LTF-9.46L

Hdfc Regalia Gold-FYF-8.67L
Hdfc Tataneu Infinity-8.67L
Hdfc Marroitt Bonvoy-8.67L

HSBC TravelOne-5.66L

SBI Cashback(Fees Waived)-3.58L
SBI Simply Click(Fees Waived)-1.52L

Icici Coral Rupay-LTF-2L
Icici Amazonpay-LTF-2L

Federal Scapia-LTF-4L

Idfc HP Power Rupay-2.3L

Scb Smart(Fees Waived)-5.05L
Scb Supervalue Titanium-5.05L
Scb EMT-5.05L

I am self employed and mostly use cc for

Offline&Travel - Atlas/ HSBC TravelOne
GiftVouchers - Regalia for 5x/Atlas/ HSBC TravelOne
Online - SBI Cashback
UPI - Tataneu Infinity
Utility - Atlas(Apay vouch)/ HSBC TravelOne/ Tataneu
Forex - Scapia
Direct Taxes - SBI cashback
Indirect Taxes/Gov Spends - SCB smart
Fuel - Atlas(Hp vouch)/ HSBC TravelOne/Idfc power/ Scb Supervalue
Movies - Axis Privilege/MyZone
Online Sales - LTF cards

 

[sherlocked]

Mine

IDFC First Millennia LTF
ICICI Amazon Pay, Coral Rupay, Platinum Chip LTF
HDFC Millennia New LTF, Tata Neu Paid
OneCard LTF
RBL Platinum Edge SuperCard LTF
indusind platinum credit card LTF
Axis Ace Paid
Kotak MOjo LTF

ICICI cards
1. Amazon pay ICICI
2. ICICI coral
3. Saphiro amex
4. Saphiro mastercard
5. Icici hpcl card
HDFC
6. Millennia
7. Swiggy
Axis
8. Airtel axis
9. Myzone
10. Privilege
SBI
11. Cashback
Others
12. Indusind bank tiger
13. Scapia federal
14. Onecard Bob
15. Kiwi yes Bank

I pay annual fees only for Airtel axis and sbi cashback.
Saphiro cards are first year free, I will close them after a few months as they have devalued them.