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  1. kiwi195

    IDFC Wow or Earn Secured Credit card

    Hello, I was applying for a secured credit card on IDFC website today and saw a new credit card, namely IDFC Earn credit card as per the image. Which card would be more rewarding? Just need my first secured credit card to boost my cibil, my first credit report was just generated: CIBIL 725 and...
  3. arpipop

    Best bank for Secured to Unsecured card conversion for a Defaulter [Conditions Apply]

    Long story short, had a 20k limit cc from hdfc in '18 that became delinquent (tagged as "willfully defaulted/suit filed") from 3rd month itself to now 40k+ total due to charges, settled it 2 months ago for 20k only (Settled, not closed)... CIBIL shows all the months in red since 2018 to now ofc...
  4. finbro

    Query on OneCard upgrade from secured to unsecured card

    Hello folks! I got an offer to convert my existing FD based credit card (SBM Bank) to an unsecured credit card with limit enhancement (BOB Card). I completed all the process as required in the app including video KYC. After completing the video KYC it showed something like "Video KYC failed"...
    • finbro
    • Thread
    • bob bank bob card credit card offer limit enhancement onecard sbm sbm bank secured unsecured upgrade
    • Replies: 6
    • Forum: Credit Card - General
  5. TiVoGlObE

    List of Banks which report Secured Credit Cards Accurate to CICs

    Banks reporting Secured Cards as : - Secured - (Confirmed to update correctly) ICICI Yes Bank SBM (Paisa bazaar Step up) SBM (One Card) Kotak Axis IDFC First Unsecured - (Incorrect Updation) HDFC RBL BoB IndusInd PNB SBI Confirmation Pending 1. BoI 2. BoM 3. Canara Details are collated basis...
  6. xfactcc

    Kotak Unsecured Credit Card - Need Suggestions!

    Hey everyone, Looking to apply for an unsecured credit card with Kotak Mahindra Bank. The last time I tried in 2022, my application got rejected because of "unserviceable pin code" even though my nearest branch is just 5 km away. Here's my situation: * I'm an existing Kotak 811 account...
  7. Lordkk

    Effect of low limit secured card on Credit score for people already having unsecured cards with good limit?

    Suppose someone has only unsecured cards with good limits (over 50k) and no BNPL ever. And he takes few low limit secured cards (only 2k or 5k FD). What effect will it have on his credit profile. 1. Will it improve or decrease his score? 2. Will it effect the of future credit cards limit...
    • Lordkk
    • Thread
    • cibil credit credit bureaus credit card secured secured card
    • Replies: 6
    • Forum: Credit Score
  8. V

    SimpliFi - Fi Secured credit card

    I just opened my app and got Fi secured credit card invite. I applied and got it instantly. This card name is simplifi credit card. App is not having much information regarding rewards. 1. FD required min. 15000. Credit Limit 90% of FD amount. 2. Life Time Free. INR 200 charges if card is...
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