Sarthak2005
TF Buzz
Which is 1st Credit Card One Should Apply if that Guy Don't have any Credit Card and Credit History/Cibil Score
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1st Credit Card
- Thread starter Sarthak2005
- Start date
It's hard to get the unsecured credit card if there is no credit history. However, if salaried or has good ITR then can try to apply for the credit card which you have relationship with. For example, if primary bank is SBI, then apply for SBI Card or if HDFC, check for pre-approved offers, etc.
Another way is to get credit card based on FD and use it for next 6-12 months before applying for the unsecured cards.
A few will disagree with this but I would suggest generating a cbil by registering for something like amazon pay later you don’t have to use it every and once the score is generated try for midrange cards if you have itr or pay slip if you are not interested in waiting you can go for secured cards or basic card such as axis myzone etc
My friend got Kotak pre approved
bugmenot
TF Legend
If you hold any bank account you should have got the pre approved offer from that bank. You may also opt tor FD Based cards. Talk with your RM.
Don’t apply cc first
Open a 10k icici account and use it 3 months then pre approved cc will get triggered
SaiyamK
TF Select
In my opinion, apply for any bank's credit card and make sure it should be LTF since you wouldn't be closing that in future as it would represent your credit history. You would stop hitting spend based waiver criteria when you get more better and premium credit cards if not opted for unconditional LTF.
And like others suggested wait for pre-approved offer from your bank where you hold an account for better chances of approval.
And like others suggested wait for pre-approved offer from your bank where you hold an account for better chances of approval.
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