All applications are getting rejected!

[jonape4811]

Hey Fam!

I am beginner in CC field, in Jan24 I got Regalia Gold due to my salary account and in Feb I got Neu Infinity. Both are LTF.

But in between my all other CC applications are rejected staring from Indusind Bank Rupay Platinum, ICICI MMT Signature, ICICI APay, One Card, AU card, KMBL Zen card.

Some said due to frequent enquiry and less credit history, what should I do?

 

[Pissant]

Stop Applying for anything for the next 9 months.

 

[Gaara]

Some said due to frequent enquiry and less credit history, what should I do?

Less Credit History

 

[s1t2y3a3m6]

It's only 2 months of your 1st card.

Wait at least 10-12 months and just live like new credit cards are doesn't exist.

No new enquiry and pay your existing card due on next day of statment generation.

Then apply your 2nd card in next year March, it would approve 100%

 

[Gaara]

Indusind Bank Rupay Platinum, ICICI MMT Signature, ICICI APay, One Card, AU card, KMBL Zen card.

Do not bother about applying to these banks again.
After 6 to 9 months all these banks will call you and apply the cards for you, as they already have all your details. 😁

 

[mj01]

You're trying to get too many cards with practically 0 credit history. Stay put for a year and use the 2 cards you have and ensure modest utilization (<30%) and timely payments.

 

[iamabhisekagar]

You don't have a credit history....Stop applying CC for atleast 6 months...then you can get SBI CC and FK Axis (if needed)...then wait another 6 months then apply for CCs next March.

Note: I have noticed that ICICI bank does not give CC in credit history lower than 1.5 years and Credit Limit of your oldest card shall be more than 2L.(Confirmed via multiple CC Agents)

Enjoy your Regalia Gold and Neu Infinity...no need to FOMO

 

[jonape4811]

Sure, thanks everyone for the suggestions.
Will put a hold on applying for new CC.