Mahirathore360
TF Select
have your super money's supercard credit card data reported to CIBIL ? Its been 2 months and my CIBIL is yet to see any data from Super money credit card issued by Utkarsh Small finance bank in collusion with Flipkart
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Are you using Flipkart supermoney credit card ?
- Thread starter Mahirathore360
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Sometimes it takes longer. My onecard reporting took 4-5 months
Mahirathore360
TF Select
Have you applied for it ?
Yess. After sign-up, I showed the interest and left the app. After a week or two, received invite for onboarding. Quite smooth experience. Min 5k FD needed for card
Mahirathore360
TF Select
No i was talking about Super Money credit card
Yessssss bro, I am referring to same🤦🏻♀️
Mahirathore360
TF Select
you said Min 5K FD , It have option for Min. 100rs FD too , by the way Does your CIBIL started to show that Credit card
Mahirathore360
TF Select
i fear it will ever be reported to CIBIL , What the use of FD card when they are not reporting it
Mahirathore360
TF Select
also for maintaining credit mix of secured and unsecured CC,
Bhai kaha se laate ho stuff.
Credit mix, profile photo, wagera wagera kuch fark nahi padta.
1. Credit utilisation - as low as possible
2. Payments on time - Don't even wait for 3 grace days period.
3. Apply slowly and gradually. Less enquiries, better score.
Aur thoda YouTube kam dekho. Onescore to sabse pahle delete krdo.
Mahirathore360
TF Select
So you are saying there is no use of having credit mix ? Credit mix don't increase credit score ? You sure ? Even @SSV said credit mix helps in increasing score, specially home loan
Yeah. I only owe 15 cards. All unsecured
Score never went below 770 from last 1 yr.
Better focus on increasing income. CIBIL is just an indicator and no bank or nbfc will approve your LOAN without income docs.
*(Pre-approved is a different thing)
Beyond
TF Legend
SSV is quite correct there.
Secured loan such as House loan has more impact on the score.
What ssv and @Anindya98 recommends is to keep 1 secured cc for healthy profile, but you would be fine even without it.
hitirfan
TF Premier
Yes. Wo FD wala Card hai. unka unsecured Card abhi launch nahi huwa.
SMS91
TF Select
1. From what I read in other posts about SuperCard, it only checks Experian. Is that true? Does that mean there is no CIBIL inquiry?
2. Has anyone applied and confirmed that it only requires ₹100 to open an FD for the credit card?
3. In the FD section, there are 5 banks to choose from. Can I have the same choices for the FD credit card?
4. I installed the Super.money app on a non-Aadhaar-linked phone (this mobile number is linked to my bank account). Can this cause problems during KYC?
5. Is the credit card generated immediately
after VKYC?
2. Has anyone applied and confirmed that it only requires ₹100 to open an FD for the credit card?
3. In the FD section, there are 5 banks to choose from. Can I have the same choices for the FD credit card?
4. I installed the Super.money app on a non-Aadhaar-linked phone (this mobile number is linked to my bank account). Can this cause problems during KYC?
5. Is the credit card generated immediately
after VKYC?
Doesn't matter.
Min ₹100 is FD amount and Min ₹5k is for free physical card.
What's ur purpose? FD or card
Aadhar registered number is mandatory.
Yess, or mostly within 1-2 hrs.
Last edited:
hitirfan
TF Premier
Probably ₹100 mai b FD Card issue hota hai
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