Credit card add on for person with very poor credit score??

[harishracha]

i took a hdfc card a many years ago n forgot about paying some small amount now it was not visible in cibil report for 14 years but now it is showing since feb 2024 i need to pay 2 lacs to hdfc

i want to apply for add on card from my brother for lounge access will there be issue to apply for add on becuz i have to give them my pan no i dont have cust id

can i get or no i dont want to pay becuase i took in 2010

how can i fix this issue becuase it was 2010 i took card

 

[Channakya]

You might get rejected if your credit score is to low . Recently tried to applying IDFC Vistara add on card to my sister , it got rejected saying that it doesn’t match with the standards

 

[harishracha]

You might get rejected if your credit score is to low . Recently tried to applying IDFC Vistara add on card to my sister , it got rejected saying that it doesn’t match with the standards

same situation for hdfc??

 

[Channakya]

same situation for hdfc??

no , idea . but this could be one of the issues.

 

[sudoabhi]

i took a hdfc card a many years ago n forgot about paying some small amount now it was not visible in cibil report for 14 years but now it is showing since feb 2024 i need to pay 2 lacs to hdfc

w t f

 

[Kumar93196]

In case of add on they don't fetch cibil score. So you are free to go

 

[harishracha]

In case of add on they don't fetch cibil score. So you are free to go

will they not see pending amt with same bank?? why ask pan if not using cibil

 

[Kumar93196]

While applying add on they will ask the pan and other kyc details but they won't fetch the cibil. So you are free to apply.

The only drawback is if they blacklisted you than you won't be able to take the card