Need Credit Card Suggestion - Query & Suggestion

[sicko101]

Okay I will apply sbi and Bob at once... Will it significantly reduce cibil or just 5-10 points?

Wont reduce much..apply both without thinking

 

[Md_]

Wont reduce much..apply both without thinking

I need 1 more Suggestion
I have a personal loan from IDFC taken in nov 2024 which was offered to me as Pre approved
So should I also consider that bank instead of sbi because I don't have any relationship with sbi


Note- when I check credit card eligiblity before 2 week on idfc web it only showed me wow card

 

[Fini7777]

I need 1 more Suggestion
I have a personal loan from IDFC taken in nov 2024 which was offered to me as Pre approved
So should I also consider that bank instead of sbi because I don't have any relationship with sbi


Note- when I check credit card eligiblity before 2 week on idfc web it only showed me wow card

Avoid idfc

And u no need to have any relationship with SBI Bank to have a credit card

 

[Md_]

Bro is icici platinum chip credit card good?
As it's eligibility criteria is very easy 2.5lac @pa

 

[Fini7777]

Bro is icici platinum chip credit card good?
As it's eligibility criteria is very easy 2.5lac @pa

Only useful for icici instant discount offers

 

[Md_]

Only useful for icici instant discount offers

Yaaa can i consider it to apply???

And bro i am very thankful to you as you are helping me a lot fini7777

 

[Md_]

Yaaa can i consider it to apply???

And bro i am very thankful to you as you are helping me a lot fini7777

My grandfather also has icici platinum he told me it is good beginner card he has 2lac limit

 

[Fini7777]

Yaaa can i consider it to apply???

And bro i am very thankful to you as you are helping me a lot fini7777

Avoid,
They instantly reject the application if u r self employed
U can get it through branch but try this after getting any credit card
Don't apply for this card now., you can get it later

 

[Md_]

Bro which variant should I apply in sbi?
Bob I am applying for easy card

 

[Fini7777]

Bro which variant should I apply in sbi?
Bob I am applying for easy card

Simplyclick is somewhat better if u spend online
For upi and grocery/dept stores Simplysave is better and it offers redeeming reward points against direct stmt credit

 

[sagarlakhisarani]

Hi Everyone,

So I have many credit cards and super premium cards as well including Infinia, DCB, Biz Black etc

However, I need to apply the first credit card for my mom. But, all the applications is been rejected by axis and hdfc bank. And I am not even applying for premium cards.

Can someone guide me as what cards should I apply for or how should I start the cards journey for her?

She has ITR of 7 lacs currently and from this year it will go up to 10 lacs. This year we have added her as main business partner as well so from next year she will have very good income on ITR.

 

[akiratoriyama]

Nothing showing as pre-approved in any of her bank accounts?

 

[msd07]

Secured cards might be the first step.. with FD backing cards probably..

 

[ashwinikumar900]

Does she have any credit history, any kind of loan or anything?

 

[lijov]

Apply for basic cards which have low ITR requirement of 6L or less.. Don't apply for cards that your mom will not be able to meet the min eligibility criteria. This way they will consider issuing you a card with low credit limit.
Once you get a card, use it carefully for first few months so that they offer you limit enhancement..

Once you have a card and use it for a few months, getting a second card is easier..

 

[IDontThinkSo]

Hi Everyone,

So I have many credit cards and super premium cards as well including Infinia, DCB, Biz Black etc

However, I need to apply the first credit card for my mom. But, all the applications is been rejected by axis and hdfc bank. And I am not even applying for premium cards.

Can someone guide me as what cards should I apply for or how should I start the cards journey for her?

She has ITR of 7 lacs currently and from this year it will go up to 10 lacs. This year we have added her as main business partner as well so from next year she will have very good income on ITR.

• Please share name of all the banks where she currently have savings/current account.
• Whether she is a senior citizen and < 70 or not.
• Does she have a CIBIL score?
• How many rejections has she had by far and number of enquiries in last 6 months.

 

[sagarlakhisarani]

Nothing showing as pre-approved in any of her bank accounts?

No not online but I think I’ll have to speak to my RM!

Also my main problem is that I’ll have to take a LYF or a less fee credit card, bcoz I don’t think we’ll use that card since I already have super premium card

 

[sagarlakhisarani]

Secured cards might be the first step.. with FD backing cards probably..

I don’t think that secured cards would be good! Bcoz I have heard that as soon as I close the FD, card will expire!

And I don’t want to waste so much money on FD honestly

 

[sagarlakhisarani]

Does she have any credit history, any kind of loan or anything?

I am not really sure!! Do you know where I can check it?

Although we have a home loan on our house and mom is a joint owner

 

[sagarlakhisarani]

Apply for basic cards which have low ITR requirement of 6L or less.. Don't apply for cards that your mom will not be able to meet the min eligibility criteria. This way they will consider issuing you a card with low credit limit.
Once you get a card, use it carefully for first few months so that they offer you limit enhancement..

Once you have a card and use it for a few months, getting a second card is easier..

Thanks for the explanation!!
Can you please tell me what specific cards can I apply?

Because I am a little confused