New CC apply

[ultroextrem]

Hello, I have FD backed CC from Kotak, I got it 2 months ago it was my first CC I don't have any loan, now my Cibil is 765, Should I apply for a unsecured cc, do I have a chance to get? If I can get suggest me some best lifetime free rupay credit card, my age is 20, I don't have any salary slip or ITR.

 

[nikhilchauhan]

Do you have a regular income and file ITR? It might affect your credit card application

 

[ultroextrem]

I don't have any itr

 

[Skylar]

Having a 9-month credit history for applying for an unsecured card would be ideal. Consider getting the Unsecured OneCard for offline spending, and after using it for the next 9 months, you’ll find it easier to qualify for other cards.

 

[Skylar]

I got axis Flipkart with 57k limit after using idfc wow credit card for 4 months and i finance one , 14000 rs phone from hdb

I said Ideal, not mandatory 9 months

 

[Trilochan20]

Wait 2 month more trust me it will be worth it ,and msg me if u need help

+1
I would also suggest the same. Then I would suggest applying Amazon Pay ICICI card. Easier to get.

 

[Skylar]

Because of an emergency i applied for loan many places and got it from hdb finance

If you have multiple hard inquiries, it can be challenging to remove them. However, if a bank made several inquiries for a single loan account, you can email the bank to request removal. If they don’t comply, you can file a complaint with the Reserve Bank of India (RBI). For instance, HDFC recently made three inquiries for a credit card application. When the customer contacted customer service, they claimed it was legitimate. But after filing a complaint with the RBI, the inquiries were removed, and the customer even received a ₹1,000 gift voucher as compensation.

 

[Skylar]

But problem is that I gave OTP for all enquiries, are these inquiry vanish overtime or , i didn't get any new cc because off them I have 5 card , Axis Flipkart, sbi simply save, idfc wow, sbm credilio, kotak league


Can I able to get new cc with these inquiry in my cibil

The Federal Bank has this policy, you should not have more than 2 enquiries in the last 6 months.
Regarding the banks it depends on the officer who is checking your credit report.