Getting a Credit Card as an 18 year old.

[Riya Sharma]

I have a nephew who is about to turn 19 in a couple of days. He is hardworking and makes really good money whilst being enrolled in a premier institute.
He has the Tata Neu card but wants something more rewarding. For quite a few years he was interested in credit cards as he had seen my collection and became enthralled. Now he is pestering me to help him get a premium credit card. He makes around 30 lakhs per annum and has an account in HDFC (they don't give non co-branded cc to under 21's) and an Axis Priority account in which he maintains 2lakhs (I think it is a stupid idea but he doesn't listen)

He hasn't even been able to get a credit card with Axis and is telling me that he will change his account and deposit even a 5 lakhs check in an account if they guarantee a credit card to him.

What will be the best bank for this?

 

[Deleted member 21942]

I just do not understand why your nephew is in so much hurry just to collect credit cards? Is he afraid of losing his job soon?

 

[zomato]

I just do not understand why your nephew is in so much hurry just to collect credit cards? Is he afraid of losing his job soon?

in this economy anything's possible 🫣

 

[Deleted member 21942]

in this economy anything's possible 🫣

Economy can't do anything if a person lacks the required skillsets for a job.

 

[Riya Sharma]

I just do not understand why your nephew is in so much hurry just to collect credit cards? Is he afraid of losing his job soon?

I think he is fascinated by Credit Cards and wants reward points on his purchases.

 

[SSV]

I think he is fascinated by Credit Cards and wants reward points on his purchases.

So do we, all here..

 

[Deleted member 21942]

I think he is fascinated by Credit Cards and wants reward points on his purchases.

He has whole life remaining to be fascinated with everything that is present in this world. Why so much hurry then?

 

[Riya Sharma]

He has whole life remaining to be fascinated with everything that is present in this world. Why so much hurry then?

I wish I could understand his mind. But I can't. I think seeing me with different premium cards probably influenced this in some way.

 

[SSV]

I wish I could understand his mind. But I can't. I think seeing me with different premium cards probably influenced this in some way.

This is where he needs to be coached..
Say for eg, if he is fascinated with some other thing that is practically not possible..what would you do?

 

[Slayer]

This is where he needs to be coached..
Say for eg, if he is fascinated with some other thing that is practically not possible..what would you do?

I think he should be fascinated about women, as an engineering student it is probably harder to get a woman than a decent paying job

 

[SSV]

We were all fascinated by something or the other when we were in teens, but an elder's responsibility is to tell them what is real and unreal, good or bad.. otherwise ultimately the teen will suffer at the end..
Infinia at 19, !!

 

[Cebu]

I think he should be fascinated about women, as an engineering student it is probably harder to get a woman than a decent paying job

With time he will get them aswell, Let him focus on money rn and improving his skills further to earn more

 

[Riya Sharma]

Lol now the whole thread is psychoanalysing him. I should have expected this.

 

[Deleted member 21942]

We were all fascinated by something or the other when we were in teens, but an elder's responsibility is to tell them what is real and unreal, good or bad.. otherwise ultimately the teen will suffer at the end..
Infinia at 19, !!

At the age of 19, I didn't even knew what is CVV forget about credit cards.

 

[SSV]

Lol now the whole thread is psychoanalysing him. I should have expected this.

That depends on how we take it.. seriously. It's not about him..it's about an individual..
I know you are in a difficult situation..
You love him and want to see his wish to be fulfilled somehow so that he is happy..
But do you really think it is good for him long term..
When we love someone we miss the common sense, logic.. that's what love does to us..
This is my last post with regard to this subject.
Best wishes to you and your nephew..

 

[Deleted member 21942]

Lol now the whole thread is psychoanalysing him. I should have expected this.

It is because you are at the wrong place to fulfil your nephew's fantasy for credit cards. You should approach some credit card agents or a branch head for your queries. They will guide you with all sorts of methods whether legal or illegal to somehow approve credit cards for your nephew.

 

[zomato]

Lol now the whole thread is psychoanalysing him. I should have expected this.

don't think much get a HDFC savings max account or salary account, maintain hefty balance and they'll give pre approved regalia (so called PreMiEr card) in 2-3 months.

if you find some other way lemme know too

 

[plastikman]

Your nephew can refer this excellent writeup by @bhavyegoel and consider going for an Amex -

AMEX Gold Charge Card Review

Editor’s note: This is a recurring post, regularly updated with new information and offers. Last Updated 10th July 2023. American Express has finally started issuing cards since they were put under an embargo by the RBI. Their most sought entry-level card other than the AMEX Membership Rewards...

www.technofino.in

 

[Heisenberg37]

I have a nephew who is about to turn 19 in a couple of days. He is hardworking and makes really good money whilst being enrolled in a premier institute.
He has the Tata Neu card but wants something more rewarding. For quite a few years he was interested in credit cards as he had seen my collection and became enthralled. Now he is pestering me to help him get a premium credit card. He makes around 30 lakhs per annum and has an account in HDFC (they don't give non co-branded cc to under 21's) and an Axis Priority account in which he maintains 2lakhs (I think it is a stupid idea but he doesn't listen)

He hasn't even been able to get a credit card with Axis and is telling me that he will change his account and deposit even a 5 lakhs check in an account if they guarantee a credit card to him.

What will be the best bank for this?

Im 19 i started with axis preapproved card
And now i hold Axis Vi Atlas Select Samsung
Hdfc 2 cards
Amex plat charge , travel mrcc

 

[Slayer]

@xywowowvw tumhara jurwa bhai

 

[Deleted member 11974]

@xywowowvw tumhara jurwa bhai

shhhhhhhh
yeh bate bataye nahi jaate nazar lag jaati hai