How to get first unsecured credit card?

[aswin]

Hello,
I already have a secured credit card from niyo global forex card with which i have made a good credit score of 795 and now i was thinking of getting a unsecured credit card but dont know which one since i am not able to provide my income proof. So what can i do to get an unsecured credit card.

 

[Teja-]

Hello,
I already have a secured credit card from niyo global forex card with which i have made a good credit score of 795 and now i was thinking of getting a unsecured credit card but dont know which one since i am not able to provide my income proof. So what can i do to get an unsecured credit card.

That’s a good score but , usually bank check age of credit history, credit utilization ratio, bill payment history, income proof, since you have good score and for income proof some bank accept credit card bill statement as , go for a basic entry level cards , keep updating which card you got ..

 

[aswin]

That’s a good score but , usually bank check age of credit history, credit utilization ratio, bill payment history, income proof, since you have good score and for income proof some bank accept credit card bill statement as , go for a basic entry level cards , keep updating which card you got ..

well i am confused about which card to apply do you have any suggestions since i tried applying some but all are asking for income proof

 

[Skylar]

well i am confused about which card to apply do you have any suggestions since i tried applying some but all are asking for income proof

How old are you? and when did you get that Niyo global card?

 

[aswin]

How old are you? and when did you get that Niyo global card?

i am 22 and i got the card 2 years ago.

 

[Skylar]

i am 22 and i got the card 2 years ago.

Which cards have you tried applying?

 

[hitirfan]

Hello,
I already have a secured credit card from niyo global forex card with which i have made a good credit score of 795 and now i was thinking of getting a unsecured credit card but dont know which one since i am not able to provide my income proof. So what can i do to get an unsecured credit card.

If you have HDFC account and keep money in it as use well, they may offer a pre-approved Credit Card

 

[aswin]

Which cards have you tried applying?

I checked federal bank celestial card.

 

[aswin]

If you have HDFC account and keep money in it as use well, they may offer a pre-approved Credit Card

I dont have HDFC account so should I start one. And what do you think about IDFC Wow card.

 

[hitirfan]

I dont have HDFC account so should I start one. And what do you think about IDFC Wow card.

25K wala Saving Max account rakh sakte ho to badiya.

@Skylar Wow Card ka bolo?

 

[Skylar]

@Skylar Wow Card ka bolo?

The only good thing about WOW is zero markup fee and I guess Neyo Global card also on same line.
And WOW card is also secured card.

 

[Skylar]

I checked federal bank celestial card.

Which state and city?

 

[aswin]

Which state and city?

Kerala, Kannur

 

[aswin]

and also i stay abroad most of the time due to my studies and scholarships so i wont be keeping much money here in an account.