Axis bank branch offering cc if I do an initial funding of 1-2lakh

[Yatokami]

As the title goes my nearest axis bank branch offered me CC if I open an acc there with initial funding of 1-2lakh is this real or fake cause it’s my first time hearing a branch claiming to get cc with initial funding lol if it’s true I might do it (I don’t have any unsecured cc at this moment secured isn’t considered a cc by any bank these days )

 

[hitirfan]

They recommend for the CC at their own level.

 

[Dr.AMAN]

Dont get lured by such claims. There is no guarantee that u will be given a CC just because of 1L initial funding. Just open their basic account (12k or 25k variant) and do regular transations through that account. In 2-3 months time u will get preapproved CC offers. Meanwhile u can take any secured CC like supermoney/ stablemoney/IDFC wow etc so that u start buliding ur credit score. Within 6 months u will have a solid credit score.

 

[Yatokami]

Dont get lured by such claims. There is no guarantee that u will be given a CC just because of 1L initial funding. Just open their basic account (12k or 25k variant) and do regular transations through that account. In 2-3 months time u will get preapproved CC offers. Meanwhile u can take any secured CC like supermoney/ stablemoney/IDFC wow etc so that u start buliding ur credit score. Within 6 months u will have a solid credit score.

I have an cibil - 745 and credit score of 760 and secured first earn card with mix of some small personal loans(bought some things using bnpl) do you think keeping 50k for 2-4 month will get a cc ?

 

[Dr.AMAN]

I have an cibil - 745 and credit score of 760 and secured first earn card with mix of some small personal loans(bought some things using bnpl) do you think keeping 50k for 2-4 month will get a cc ?

Yes. U also have to use the account for regular transactions. I did the same, opened 12k mab account, maintained 50k-90k and did all my upi/ CC bill payments using Axis account. In exact 2.5months I got 7 preapproved card offers in the Axis app. Got Airtel Axis without CIBIL hit and income proof. Also try to increase ur Cibil score to >750.