Doubt on getting Pre-approval CC if I have FD CC

[skvignesh]

I have FD Flipkart Axis CC past 1+year, will I able to get Unsecured CC?
I didn't got any Pre-approved Offers past 1 year , thinking to try with HDFC CC (8 months old) agent said you can get new unsecured CC.

Anybody having FD cc & got CC Pre-approved Offer also?

Account Opened on Dec 2020. Maintain good MAB, also doing regular txns..

 

[AllSeeker]

Key question is what is limit of secured card? How much limit was free when you applied for C2C?

Which banks did you apply C2C?

Also, I would contact axis and try to convert this secured cc to unsecured, just give it a try. Axis sometimes does that, but depends on your relationship value to bank.

 

[skvignesh]

Key question is what is limit of secured card? How much limit was free when you applied for C2C?

Which banks did you apply C2C?

Also, I would contact axis and try to convert this secured cc to unsecured, just give it a try. Axis sometimes does that, but depends on your relationship value to bank.

75k FD & 60K limit

Not yet applied for C2C ok will contact axis and see whether they converting

 

[TechnoFinoTechnoFino is verified member.]

I have FD Flipkart Axis CC past 1+year, will I able to get Unsecured CC?
I didn't got any Pre-approved Offers past 1 year , thinking to try with HDFC CC (8 months old) agent said you can get new unsecured CC.

Anybody having FD cc & got CC Pre-approved Offer also?

Account Opened on Dec 2020. Maintain good MAB, also doing regular txns..

you'll not get pre approved offer if you hold fd card.
you can apply for an unsecured card using c2c method.

 

[skvignesh]

you'll not get pre approved offer if you hold fd card.
you can apply for an unsecured card using c2c meth

Thanks will close FD CC soon and will wait for 6-8months

 

[skvignesh]

@TechnoFino

Doubt if I close FD Fk Axis CC, can be opened again?

 

[AllSeeker]

@TechnoFino

Doubt if I close FD Fk Axis CC, can be opened again?

First try asking axis branch ppl if they are willing to remove lien on FD and maybe you can close FD directly.

That way your FD card will be converted to unsecured one, this is rare but sometimes they do it.

Just talk your way around.

 

[TechnoFinoTechnoFino is verified member.]

@TechnoFino

Doubt if I close FD Fk Axis CC, can be opened again?

yes... but subject to bank approval (internal policies)
so they can accept or they might reject your application

 

[skvignesh]

Update: Applied Manually via agent c2c for AXIS SELECT Card and APPROVED (agent mentioned only privilege and select available for easy approval), I asked for low end cards but he said they will not approve you already have that, may be to complete target..

Will use this card for 1 year mainly for bookmyshow and swiggy offers..

One doubt can I able to get low end cards after some 8-10 months so that i can close this.

 

[AllSeeker]

Update: Applied Manually via agent c2c for AXIS SELECT Card and APPROVED (agent mentioned only privilege and select available for easy approval), I asked for low end cards but he said they will not approve you already have that, may be to complete target..

Will use this card for 1 year mainly for bookmyshow and swiggy offers..

One doubt can I able to get low end cards after some 8-10 months so that i can close this.

You can easily get axis cards with help of a existing axis card.

Though select is their mid upper tier card, so in your case it would be a downgrade of sorts and I think it can be even done into LTF. It's just case of offer being there. And you can do this in very short period after getting a CC. Like in month or two, I would suggest to wait for 6-7 months though.

 

[ashwinkashwink is verified member.]

Update: Applied Manually via agent c2c for AXIS SELECT Card and APPROVED (agent mentioned only privilege and select available for easy approval), I asked for low end cards but he said they will not approve you already have that, may be to complete target..

Will use this card for 1 year mainly for bookmyshow and swiggy offers..

One doubt can I able to get low end cards after some 8-10 months so that i can close this.

After using 3 or more months call axis customer care and request them for a lower variant card

 

[ashwinkashwink is verified member.]

Update: Applied Manually via agent c2c for AXIS SELECT Card and APPROVED (agent mentioned only privilege and select available for easy approval), I asked for low end cards but he said they will not approve you already have that, may be to complete target..

Will use this card for 1 year mainly for bookmyshow and swiggy offers..

One doubt can I able to get low end cards after some 8-10 months so that i can close this.

Congratulations 🎊

 

[skvignesh]

Congratulations 🎊

Thanks will try it after 3+months 👍

 

[BankExpertIndia]

Thanks will try it after 3+months 👍

Now You Can Get Approximately Any Card As Now You're Holding A Axis Bank CC

 

[Ghost655]

75k FD & 60K limit

Not yet applied for C2C ok will contact axis and see whether they converting

I can second this Axis Does not offer c2c or any other offers etc to fd based cards , my father got limit of 80k, he has a privilege's saving account with them and a RM. Nobody even on their l2 support would offer any others cards, apparently its their policy. I told them to break the policy😝. Still no success, i threatened to close the cards, they gave no ltf offer or anything, they said they would be happy to close the card for me, but i did not as the yearly bill was renewed.
The reason i pestered them for an hour was to get an ace card as i thought my dad's account had a better chance of getting it, as i was not able to get it. My dad has a long relationship with around some lakhs under their management and has many FD's policy and a 3in1 account. the joking part was they later called to issue a unsecured card they were all higher variant like magnus Vistara etc, but still could not offer ace , i still wonder how people on YouTube get ace card. I literally harrased them still no success. My dad used to think all CC are similar to loans so he never accepted a cc or even accepted for a higher limit ever when he got one and one card he has that too is because of my pestering.🥱 Axis repeatedly told me having secured card we cant get an upgrade to another card.

 

[skvignesh]

LTF?

No 😕 3000+ GST.. they already charged it, card not yet dispatched yet... Strict in charges.

2k Amazon voucher after 1st txn..

 

[tiny]

I Have ICICI platinum card for 3 months now can I apply for any C2C limit is 50500..?

 

[AllSeeker]

I can second this Axis Does not offer c2c or any other offers etc to fd based cards , my father got limit of 80k, he has a privilege's saving account with them and a RM. Nobody even on their l2 support would offer any others cards, apparently its their policy. I told them to break the policy😝. Still no success, i threatened to close the cards, they gave no ltf offer or anything, they said they would be happy to close the card for me, but i did not as the yearly bill was renewed.
The reason i pestered them for an hour was to get an ace card as i thought my dad's account had a better chance of getting it, as i was not able to get it. My dad has a long relationship with around some lakhs under their management and has many FD's policy and a 3in1 account. the joking part was they later called to issue a unsecured card they were all higher variant like magnus Vistara etc, but still could not offer ace , i still wonder how people on YouTube get ace card. I literally harrased them still no success. My dad used to think all CC are similar to loans so he never accepted a cc or even accepted for a higher limit ever when he got one and one card he has that too is because of my pestering.🥱 Axis repeatedly told me having secured card we cant get an upgrade to another card.

Try asking BM to remove lien on FD of the secured card. Show him your card history if you have good one to prove that you are a responsible user.

Don't ask for converting of CC but ask for upgrade while keeping the existing. Also, axis higher variants are usually costly and not worth the amount, their neo, myzone, fk, ace, airtel axis are good cards but above that you get into area where you may start to consider if you are going to really going to use the card for all its benefits and that high of cost of keeping it is worth or not.

 

[skvignesh]

I Have ICICI platinum card for 3 months now can I apply for any C2C limit is 50500..?

No min they will ask for 1year, mine is 8 months but agent told to say 1 year of they call for verification... Also if limit is 50k then you will get lower limit or they will not give card.. so wait or apply manually with other income docs

 

[AllSeeker]

I Have ICICI platinum card for 3 months now can I apply for any C2C limit is 50500..?

Try getting apay card first, it offers inflated limits and use that for C2C to other bank cards.