Should I close my FD card?

[me_sovon]

I have been seeking a credit card from Axis Bank, but I have faced multiple rejections: twice for the Flipkart Axis card and twice for the MyZone credit card. I suspect that my second MyZone application was declined due to the short interval between the two applications.

During my most recent application for the MyZone credit card, a physical KYC was conducted, during which the agent suggested that I open a library account. Consequently, I now also hold a savings account with Axis Bank.

Following the rejection, I received a call from my branch advising me to consider a fixed deposit (FD) based credit card and to maintain this card for at least three months.

As I approach the end of this three-month period, I have several questions:

1. Should I close the card?
2. Should I keep it for a few more months to potentially qualify for a pre-approved offer for an unsecured card?
3. Does the pre-approved offer depend on the FD card?

My current CIBIL score is 781, and I have three unsecured credit cards.

 

[hender]

Yeahh for 15k FD, getting 12k limit.
Myzone Visa LTF
No no drawbacks even no advantage I guess. Just a secured card showing on my cibil.

BM has nothing to say, from the beginning I know that they are completing their FD target, but still thought that atleast I can use the card on Swiggy Zomato, so I took the card.

If you can keep FD, keep it, Close the। Credit card...wait for sometime, meanwhile do transaction from account, in case of urgent need, you can again create FD card.
Rest Pray 🙏, भगवान बहुत दयालु हैं

 

[me_sovon]

If you can keep FD, keep it, Close the। Credit card...wait for sometime, meanwhile do transaction from account, in case of urgent need, you can again create FD card.
Rest Pray 🙏, भगवान बहुत दयालु हैं

I understand, 3 months complete hone ke baad call pe ek unsecured card ka request karke dekhunga milta hai to achhi baat hai. Nehi to closure request dal dunga, phir ek do mahine baad FD bhi close kar dunga