I have a very similar issue where my CIBIL score is ~670 due to 22 missed payments on my last Citi CC. I have an HDFC Imperia Account and I do not have any active CC. Can you suggest if this FD backed option is also there in HDFC or any other bank CC I can get with this CIBIL score?Get fd backed card & after activation sit tight.
If u have Burgundy! Get Axis cc via fd .
Wait for cibil to go 750+ .. then flood gates open for you to collect perls .
Till then enjoy without applying any cc & avoid opening pandora box of Cibil hit unnecessary.
Bcz no matter what u do with 650 u aren't getting anything other than rejection