FIRST CREDIT CARD TIPS

[kingkhaan]

I would like to know how I can achieve my first credit card-

- CIBIL 755
- Student
- OneCard FD based 50k

please suggest tricks and tips to get my first unsecured CC

 

[deep@vie]

I would like to know how I can achieve my first credit card-

- CIBIL 755
- Student
- OneCard FD based 50k

please suggest tricks and tips to get my first unsecured CC

try amazon icici or maintain an account with hdfc,they'll offer pre-approved card.

 

[Chaitanya-a]

I would like to know how I can achieve my first credit card-

- CIBIL 755
- Student
- OneCard FD based 50k

please suggest tricks and tips to get my first unsecured CC

Your CIBIL is already good. What CC issuers notice while issuing:

1) Payments on time (updated every quarter). So do the payment before time only.

2) Credit utilisation. You should show it like you are using maximum 10% (5% if you can) of your credit limit. All other payment should be done before bill generation.

3) Your credit history. You have to use your OneCard 3-6 months (atleast) to get a new unsecured card while keeping above 2 points in mind.

And after 6 months, if you're above 21, give a try to ICICI Apay Card. They're very lenient while providing cards if your credit score is good.
Till then, don't do so many enquiries as it affects your credit score/profile.