Best FD Based Credit Card - Query & Discussion

[VasukiVasuki is verified member.]

i can't even close bcoz my 10k is been holded by cybercell in chain feeeze so converted acc into 10k mab and getting 30rs intrest every month

This idfc has too much freezing problem.

 

[Mruseless]

I closed one card and idfc wow. Both were terrible.

Recommend a good card

Did a biggest mistake,why you closed onecard.... You know what I begin my journey with onecard within 1 year I get Flipkart cc,next year hdfc now icici and sbi

 

[prash1161]

Did a biggest mistake,why you closed onecard.... You know what I begin my journey with onecard within 1 year I get Flipkart cc,next year hdfc now icici and sbi

Bro onecard is shittttt . I do buy online internally so they were Charging a lot 1-2% while purchasing and 1-2% while refund if i cancel or they cancel .

I bought some 70k stuff from kotak dc and website cancelled , in total i paid 7k in charges . I was like fu*k m f and closed all these shits

 

[PANK]

Which bank convert their secured card to unsecured card

 

[VasukiVasuki is verified member.]

Which bank convert their secured card to unsecured card

Kotak Mahindra

Icici but there is high amount fd needed & should be 21 plus

 

[PANK]

Kotak Mahindra

Icici but there is high amount fd needed & should be 21 plus

Usually how much time

 

[VasukiVasuki is verified member.]

Usually how much time

50 & above for good limit..

Thing is High the fd amount

Higher you gonna get unsecured card around same limit

 

[rextg]

Kotak Mahindra

Icici but there is high amount fd needed & should be 21 plus

age should be min 18 only .I got amazon pay at 19 using 6m old secured cc and after a month got coral rupay ltf with shared limit

 

[VasukiVasuki is verified member.]

age should be min 18 only .I got amazon pay at 19 using 6m old secured cc and after a month got coral rupay ltf with shared limit

Can't be true my friend had apay pre approved untill 21 he wasn't able to apply
@S S V @D₹V
Since when apay /icici card giving at 18 +? & Not 21 +

 

[rextg]

Can't be true my friend had apay pre approved untill 21 he wasn't able to apply
@S S V @D₹V
Since when apay /icici card giving at 18 +? & Not 21 +

well I got apay card on sep 2023 and I am still under 21.

 

[varun__goel_]

Can't be true my friend had apay pre approved untill 21 he wasn't able to apply
@S S V @D₹V
Since when apay /icici card giving at 18 +? & Not 21 +

Existing icici card holder can get apay before 21.

 

[enbee]

Go with kotak 811 with serviable address of major city .
Usp - they increase limit in fd card .

If u have more money - like 50-1 lakh get icici fd coral cc ( if u want railway lounge) else platinum.
Having high limit fd card helps you in high limit unsecured from starting.
For bank account .
Use hdfc digi youth saving account as primary account (2500 mab ) .
Use fyf Millniea dc - reload 40k via Amazon pay . Enjoy 400 free every month 🥸.
& Sit back relax .

If i have 3-4 lakh spare .there is different strategies..

- mark this as solution 😎

How to apply 811card without savings account, I closed my 811 account long ago.

 

[VasukiVasuki is verified member.]

How to apply 811card without savings account, I closed my 811 account long ago.

Why you after fd cc !?

 

[enbee]

Why you after fd cc !?

Credit score fucked up..
Only have airtel axis and hdfc tata nue card

 

[VasukiVasuki is verified member.]

Credit score fucked up..
Only have airtel axis and hdfc tata nue card

Call axis and get
Axis Neo ltf over call
Get 3rd card Flipkart or something
Which will give you 2 extra on time payment 🤣 limit would be same across

Get sbm , paisa bazar,type 2k fd based card
Score will recover in 3-4 month
How it got fucked & the scenario rn

 

[_Jain_V]

SO Help me , My Primary Bank is BOI , after a lot of difficulties in server and every service , i got my account in Federal Bank via Jupiter , Using Jupiter since last 2 or 3 Years , Have spent around 8 to 9L in a month via that account via UPI and NET Banking , still i am not recieving any offer for credit card , I am a student and i also have a ITR of 421K (First Tiem_ age is 21 and yet they reject my application for credit card , is it because i havent used debit card , my monthly spent is around 1 to 2lakh before jan 2025 easily and before Phonpe stated fees on BBPS Bill payment via debit card my debit card usage was around 15k a month or even higher , shall i close the account and go with any other bank ?? Overall my soent is around 10l a year including net banking , upi and debit card , sometime it goes to 20l

 

[PANK]

Go with HDFC,AXIS

 

[hender]

SO Help me , My Primary Bank is BOI , after a lot of difficulties in server and every service , i got my account in Federal Bank via Jupiter , Using Jupiter since last 2 or 3 Years , Have spent around 8 to 9L in a month via that account via UPI and NET Banking , still i am not recieving any offer for credit card , I am a student and i also have a ITR of 421K (First Tiem_ age is 21 and yet they reject my application for credit card , is it because i havent used debit card , my monthly spent is around 1 to 2lakh before jan 2025 easily and before Phonpe stated fees on BBPS Bill payment via debit card my debit card usage was around 15k a month or even higher , shall i close the account and go with any other bank ?? Overall my soent is around 10l a year including net banking , upi and debit card , sometime it goes to 20l

20 l is spending or transferring of funds a to b to c.. ?

 

[_Jain_V]

20 l is spending or transferring of funds a to b to c.. ?

In a Month may in 24 I paid 5 lakh in fees via NetBanking , spent around 80k via upi on bbps payments and around 15k via debit card .
Normally till Dec 24 UPI and card usage used to be 80 to 90k , not incoming , just outgoing to bbps payments etc

 

[Lobogris]

In a Month may in 24 I paid 5 lakh in fees via NetBanking , spent around 80k via upi on bbps payments and around 15k via debit card .
Normally till Dec 24 UPI and card usage used to be 80 to 90k , not incoming , just outgoing to bbps payments etc

How are you able to make payments of 12 to 24 lakhs per year on an income of 4 lakhs?