Need suggestion for AXIS Secured ------>Unsecured

[mailmenow]

Need suggestion for my friend.
He has only myzone fd based credit card. It's almost 4+months since he took the credit card.
He already has axis savings account from March 2025 . He is not getting any pre-approved unsecured credit card offer because of this secured card.

1)Should he close the fd backed card to get unsecured cadd???
2) Should he need to open a PAY LATER to maintain his credit history if he close this fd card?? (not interested to take any other bank fd card anymore)
3) if he close his fd card within how many months the pre-approved offer starts to appear??

He has only this secured card in his portfolio no any other loan or cards. Not interested to take any other bank fd card also. He really need a unsecured card now. But it's getting rejected by axis while applying. Please give your suggestions.

 

[sovon]

Loans r an asset to them due to processing fees and interest, while for CCs they have to spend money giving all those cashbacks. so they will push loan offers more than their CCs (even to bsbda customers) . Same with HDFC. They r ready to give me huge loans but not 5k limit increase even after 1 year of regular use. Ur Credit profile is very good. Very unusual to see Axis denying preapproved CCs to SA holders with such good credit profiles.(unless there is some error in ur customer id in their system)

I did some research and I found that I am getting all kind of similar hints before CC offer, so waiting for a refresh from axis, may be I will get my CC offer soon

 

[sovon]

(unless there is some error in ur customer id in their system)

There was an error, I mailed pno, and they fixed the issue few weeks ago. For the error there are few ongoing cc process is showing like this, mailed them again to fix this.

 

[Anindya98]

Please help @hender @HumorSimpson @Dr.AMAN @SSV @Anindya98 @Vasuki @everyone

Sorry bro. No idea

 

[Anindya98]

Sharing a quick hack. I got my Axis Flipkart Credit Card in March 2023 with just a ₹15K limit (my 2nd unsecured CC after ICICI Amazon Pay with ₹1.5L in the same month). I used the FK card regularly till Jan 2024, keeping utilization around 80% for 3–4 months. During that time, Axis kept rejecting my other card applications, and I had zero pre-approved offers.


Then, in Jan 2024, I applied for the MyZone LTF C2C via an offline agent, which got rejected the very next day, but surprisingly, my FK card limit shot up to ₹2.1L (that’s 14x!). Soon after, all cards started showing under pre-approved offers, and I finally got MyZone LTF in March 2024.


So, you never really know what Axis might do sometimes, all this happens without even submitting any income documents!

 

[mailmenow]

Sharing a quick hack. I got my Axis Flipkart Credit Card in March 2023 with just a ₹15K limit (my 2nd unsecured CC after ICICI Amazon Pay with ₹1.5L in the same month). I used the FK card regularly till Jan 2024, keeping utilization around 80% for 3–4 months. During that time, Axis kept rejecting my other card applications, and I had zero pre-approved offers.


Then, in Jan 2024, I applied for the MyZone LTF C2C via an offline agent, which got rejected the very next day, but surprisingly, my FK card limit shot up to ₹2.1L (that’s 14x!). Soon after, all cards started showing under pre-approved offers, and I finally got MyZone LTF in March 2024.


So, you never really know what Axis might do sometimes, all this happens without even submitting any income documents!

Is all that happens after reducing the utilisation??

 

[mailmenow]

Sharing a quick hack. I got my Axis Flipkart Credit Card in March 2023 with just a ₹15K limit (my 2nd unsecured CC after ICICI Amazon Pay with ₹1.5L in the same month). I used the FK card regularly till Jan 2024, keeping utilization around 80% for 3–4 months. During that time, Axis kept rejecting my other card applications, and I had zero pre-approved offers.


Then, in Jan 2024, I applied for the MyZone LTF C2C via an offline agent, which got rejected the very next day, but surprisingly, my FK card limit shot up to ₹2.1L (that’s 14x!). Soon after, all cards started showing under pre-approved offers, and I finally got MyZone LTF in March 2024.


So, you never really know what Axis might do sometimes, all this happens without even submitting any income documents!

But before 2023 you have your LTF airtel axis credit card. Right?

 

[Anindya98]

Is all that happens after reducing the utilisation??

Offers totally depend on your profile and usage pattern. What worked for me might not work for you, and vice versa. It’s all about learning and experimenting along the way. There’s no guidebook or magic formula you can just copy-paste and expect 100% results.

But before 2023 you have your LTF airtel axis credit card. Right?

No, August 2023

 

[mailmenow]

No, August 2023

You got ur airtel card as LTF in 2023?

 

[Anindya98]

You got ur airtel card as LTF in 2023?

Nope, my dad got the card as LTF. I just have the add-on.

 

[mailmenow]

If suppose he close his one& only myzone fd card, will be loose his 5 month old credit history for sure??(He don't have any other loan or credit card, but cibil is 778)

 

[Anindya98]

If suppose he close his one& only myzone fd card, will be loose his 5 month old credit history for sure??(He don't have any other loan or credit card, but cibil is 778)

Y e s

 

[sovon]

Y e s

Are you sure?
I think his cibil will be down by few points or it will be same till next enquiry or additions of any Card or loan

 

[Dr.AMAN]

Are you sure?
I think his cibil will be down by few points or it will be same till next enquiry or additions of any Card or loan

Cibil will drop for sure if u close ur oldest CC/loan. Thats y if ur oldest CC is much older than ur 2nd oldest CC then it is always better to keep it open.

 

[Anindya98]

Are you sure?
I think his cibil will be down by few points or it will be same till next enquiry or additions of any Card or loan

By ‘lose,’ I mean the continuity in your CIBIL history will be affected.
If you have two cards and close the first one, the second will continue the credit history.

Cibil will drop for sure if u close ur oldest CC/loan. Thats y if ur oldest CC is much older than ur 2nd oldest CC then it is always better to keep it open.

Yes

 

[mailmenow]

By ‘lose,’ I mean the continuity in your CIBIL history will be affected.
If you have two cards and close the first one, the second will continue the credit history.

Yes

closing his only card will harm the cibil history. Better to wait only? Is it possible to get icici platinum card as Amazon pay icici invitation is not yet visible

 

[sovon]

closing his only card will harm the cibil history. Better to wait only? Is it possible to get icici platinum card as Amazon pay icici invitation is not yet visible

Bhai super money ya koi dusra fd card lelo, 100 se suru hai supermoney wala so ek card to rahega

 

[Anindya98]

closing his only card will harm the cibil history. Better to wait only? Is it possible to get icici platinum card as Amazon pay icici invitation is not yet visible

AFAIK, ICICI has stopped issuing Platinum Chip unsecured cards and only offers secured ones.
Follow @sovon's suggestion, I also have the same thought

 

[mailmenow]

Bhai super money ya koi dusra fd card lelo, 100 se suru hai supermoney wala so ek card to rahega

He is only eligible for fd card in super money

 

[sovon]

He is only eligible for fd card in super money

Take that fd card.
Minimum ₹100 se start hota hai.
Tell him to take the card atleast his credit profile will be active for that card.

 

[mailmenow]

Take that fd card.
Minimum ₹100 se start hota hai.
Tell him to take the card atleast his credit profile will be active for that card.

Ok. Taking super money fd card and closing axis myzone fd card?