joell
TF Select
I'm a student. I was rejected for Ace via GPay in November. I opened a Liberty account a month ago. I needed an Axis card for an offer ASAP and chose secured MyZone LTF (16K, 20K FD) mostly because it was an emergency. During the online application (really easy btw), there was an optional checkbox for credit limit increases in the future. I didn't think much and clicked it, and when I submitted the application, there was a CIBIL hit (didn't expect that) and was approved in 5 mins.
1) Has anyone got a limit increase with a secured Axis card?
2) Was the CIBIL hit only because I checked the future LE box or is it normal?
3) When I want to get another Axis card in the future will I have to close this card?
4) Should I spend heavily on the card or should I keep utilisation under 10% or 30%?
Other cards : ICICI Apay Coral LTF MMT - 60K, HDFC Millennia - 2L. indusind 90K.
1) Has anyone got a limit increase with a secured Axis card?
2) Was the CIBIL hit only because I checked the future LE box or is it normal?
3) When I want to get another Axis card in the future will I have to close this card?
4) Should I spend heavily on the card or should I keep utilisation under 10% or 30%?
Other cards : ICICI Apay Coral LTF MMT - 60K, HDFC Millennia - 2L. indusind 90K.