First Unsecured credit card

[rohit911]

I took my first credit card to start my credit history.
It was Idfc wow card with 25k fd in January 2024,
I have been using it regularly and currently my cibil is 765.
Now should I apply for unsecured credit card ?
If yes, which card r easy to get?
If no, then how much more should I wait to apply unsecured card?

 

[helloworld]

student or earning?

which bank accounts you already have?

btw, Congrats. Use wisely, pay on time.

 

[rohit911]

student or earning?

which bank accounts you already have?

btw, Congrats. Use wisely, pay on time.

I m a student + do some commission works.
I have 3.15lakh itr.
I have 3 savings account
1.PNB (oldest with less transactions)
2. Kotak (barely use it now)
3. Hdfc (now main acc. ,2 months old)

 

[helloworld]

I m a student + do some commission works.
I have 3.15lakh itr.
I have 3 savings account
1.PNB (oldest with less transactions)
2. Kotak (barely use it now)
3. Hdfc (now main acc. ,2 months old)

continue using HDFC for 6 more months.. and get Millennia as the starting card or Swiggy. Do not accept if any other card provides you.

Meanwhile try to generate CIBIL with current card.

 

[Riya Sharma]

I took my first credit card to start my credit history.
It was Idfc wow card with 25k fd in January 2024,
I have been using it regularly and currently my cibil is 765.
Now should I apply for unsecured credit card ?
If yes, which card r easy to get?
If no, then how much more should I wait to apply unsecured card?

HDFC, Axis and Amex are your only options as an individual under 21. I recommend opening an Axis Liberty account too, if you can manage. There is a good thread on the forum regarding it and Axis is also pretty quick with pre-approvals.

I am 19 and have cards from Axis, HDFC and Amex.

 

[rohit911]

HDFC, Axis and Amex are your only options as an individual under 21. I recommend opening an Axis Liberty account too, if you can manage. There is a good thread on the forum regarding it and Axis is also pretty quick with pre-approvals.

I am 19 and have cards from Axis, HDFC and Amex.

How ?? !!
I m 20.
What is ur income and how much balance do u maintain ?

 

[Riya Sharma]

How ?? !!
I m 20.
What is ur income and how much balance do u maintain ?

I file an itr of 16lk. Work for an international freight service and have a small company on the side.
I used to keep 3-4lk in Axis Priority account when I got the Axis Privilege LTF but after getting the Atlas I moved all of my funds to HDFC. I also used to have thr Tata Neu Infinity card but cancelled it to get a core card. It has been almost 6 months now but HDFC still isn’t giving me a pre-approved offer despite having around a 50-60lk TRV with them including demat lol