credit card suggestion

[Atharva@1909]

my cibil score is 671 , experian 846 and equifax 755 . i know my cibil score is low but need a credit card for credit buildup and other purposes . which bank can give me a credit card ? p.s : i had never applied for credit cards asking u all before applying in order to avoid rejection from banks and hard enquiry of credit score . ( exclude card against fd category) pls help

 

[Deleted member 7241]

Try Onecard...idfc...pnb

Its too easy...

 

[niteeshk]

try a secured credit card by booking fd bro ,for example one card ,idfc .

 

[Walter White]

BoB is quite lenient in this aspect. Else, try getting one with a bank where you have your salary account.

 

[TechnoFinoTechnoFino is verified member.]

If you have any problem in your CIBIL report (late payment, etc) then getting an unsecured card will be a very big challenge.
try mentioning account with hdfc, axis, icici bank and wait for pre approved card offer.

 

[arn]

try for Amazon ICICI Card.

if they deny then opting for a secured card will be your only option

 

[Atharva@1909]

What you did that drag your CIBIL score to 671?2 to 3 late payment of personal loan and after paying the dues they didnt updated the correct info to cibil

 

[Atharva@1909]

Try Onecard...idfc...pnb

Its too easy...

ok will try

 

[Atharva@1909]

If you have any problem in your CIBIL report (late payment, etc) then getting an unsecured card will be a very big challenge.
try mentioning account with hdfc, axis, icici bank and wait for pre approved card offer.

okay thanks

 

[Atharva@1909]

try for Amazon ICICI Card.

if they deny then opting for a secured card will be your only option

amazon icici deny hi hoda 750 and above lgta h uske liye agr abhi apply kiya to cibil bdhne k baad card repply krne k liye 6 months wait krna pdega

 

[AllSeeker]

Don't apply for anything unsecured, CIBIL below 760 will automatically get you denied, this can happen with even banks you have a very good relations.

Get secured card first from a bank which you know for sure you will not take any unsecured cards in future. Then try to use it properly for a year, like less than 30% utilization, timely payment and no further inquiries. You CIBIL will go to 750- 770 in that year.

Its not end of the world, its just time for you to tidy things up.

Also, get FD card with FD of more than 60-70k.

Trust me, it helps when your secured card has limit over 50k.

 

[AllSeeker]

Also, in your case CIBIL has been damaged due to past late payments (even if you paid that later, its still late payment), many ppl will not high light this but its actually worse in some cases for pre-approved offers than actually not having any CIBIL at all.

Also, for this reason you will be automatically not qualify for some cards, like Amex even if your CIBIL recovers. They require spotless record.

After years and years, things might change. I'm not sure how many years though.

 

[Atharva@1909]

> 2 to 3 late payment of personal loan and after paying the dues they didnt updated the correct info to cibil.

Your risk ratio is very high, do not apply until you reach 700 atleast or based on experian score you can go for Kotak. Personal suggestion wait till you reach 700 and till then use secured card to reduce risk ratio.

Your CIBIL is low, you have some remarks in report, not at all good sign until you correct them.

okay thanks for suggestion

 

[Atharva@1909]

Don't apply for anything unsecured, CIBIL below 760 will automatically get you denied, this can happen with even banks you have a very good relations.

Get secured card first from a bank which you know for sure you will not take any unsecured cards in future. Then try to use it properly for a year, like less than 30% utilization, timely payment and no further inquiries. You CIBIL will go to 750- 770 in that year.

Its not end of the world, its just time for you to tidy things up.

Also, get FD card with FD of more than 60-70k.

Trust me, it helps when your secured card has limit over 50k.

ok brother will wait for the thing to get settled

 

[abhishek73]

I will chime in, I was in the same boat. Axis denied my unsecured card even though I had an account for more than 10 years and had a priority salary account. My RM, she advised me to get a secured card. I made a FD of 30k and got a card with limit of 24k. Used it wisely for a year and couple of months, paid all bills before bill generation to keep credit utilization at zero. 16 months down the line and my Cibil Score is 757. Currently have 6 credit cards, of which 5 are unsecured. Credit limit ranges from 40k to 2 Lakh. Give it some time. It does work.

 

[CARDBITRAGE]

my cibil score is 671 , experian 846 and equifax 755 . i know my cibil score is low but need a credit card for credit buildup and other purposes . which bank can give me a credit card ? p.s : i had never applied for credit cards asking u all before applying in order to avoid rejection from banks and hard enquiry of credit score . ( exclude card against fd category) pls help

First, try to build your Cibil to 750 or above. Just makes things easier. Get a secured card. Use it for 6 months to a year. Then get an unsecured card.

 

[iamabhisekagar]

First, try to build your Cibil to 750 or above. Just makes things easier. Get a secured card. Use it for 6 months to a year. Then get an unsecured card.

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