Getting started in my journey

[devsfinance]

Hello everyone I recently made account on the community and participation in discussions.

I got my first ever card, Icici Sapphiro (Alumni) I had no prior credit history of any kind (loans, CC, Pay later, nothing) but due to the Almuni offer I got the card.

After hearing the comments that HDFC is good for pre approved CC I opened my salary account in HDFC.(recently joined the job) This is my first ever account in any bank before that I had an account in co operative bank which is regional.

I want to know basics of how to use this card to get a good credit score. I am not able to understand the process of statement generation etc. Although have no spends as of now so will love to know where should I start to build my score and get different credit cards.

I had also asked for DCB while opening account they straight up denied for even 1rs less salary then 1.75, Really pushed but that guy was not interested in this at all.

So want to know basics of using the card and what to do now with the card, to build a good credit score to build the score as after my first 2 salary credit I will apply for another card cause most of them requires statements.

 

[avishj]

Yeah but I have seen in few other posts that it isn’t easy to upgrade later.

Haven't heard of this, but with enough NRV, you can easily push a lot.

 

[devsfinance]

Haven't heard of this, but with enough NRV, you can easily push a lot.

That’s the thing I might not have enough NRV but let’s see right now will try for getting the preferred account once preferred I will ask for DCB.

It’s sad that I can’t open future first account in IDFC otherwise it seemed like a great account for having a relationship there as well.

 

[AritraSaha]

That’s the thing I might not have enough NRV but let’s see right now will try for getting the preferred account once preferred I will ask for DCB.

It’s sad that I can’t open future first account in IDFC otherwise it seemed like a great account for having a relationship there as well.

Why don't you apply for their cc.
They are providing cc customer with 0mab account.

Or else you can open 10k account. Its pretty good.

 

[devsfinance]

Why don't you apply for their cc.
They are providing cc customer with 0mab account.

Or else you can open 10k account. Its pretty good.

I am actually thinking to get cc but as I don’t have salary record in my statement I will be applying after some time.

Also anyway about the 10k account. I saw someone getting IDFC wealth account for some small initial funding. I am thinking to ask them for this so if I don’t have account they might give me that for some funding. But again will only do this if there are no downgrades and charges.

 

[kishorvr]

Hello everyone I recently made account on the community and participation in discussions.

I got my first ever card, Icici Sapphiro (Alumni) I had no prior credit history of any kind (loans, CC, Pay later, nothing) but due to the Almuni offer I got the card.

After hearing the comments that HDFC is good for pre approved CC I opened my salary account in HDFC.(recently joined the job) This is my first ever account in any bank before that I had an account in co operative bank which is regional.

I want to know basics of how to use this card to get a good credit score. I am not able to understand the process of statement generation etc. Although have no spends as of now so will love to know where should I start to build my score and get different credit cards.

I had also asked for DCB while opening account they straight up denied for even 1rs less salary then 1.75, Really pushed but that guy was not interested in this at all.

So want to know basics of using the card and what to do now with the card, to build a good credit score to build the score as after my first 2 salary credit I will apply for another card cause most of them requires statements.

My first salary was 7,000 and I denied credit cards straight up. I waited until I earned up to 18,000. I still cannot get dcb. But I have made mistakes with credit cards.

I wish I had a community to tell me 18 years ago. Just follow what people here said and you will be fine and get your hands on top cards.

Best to you!

 

[devsfinance]

My first salary was 7,000 and I denied credit cards straight up. I waited until I earned up to 18,000. I still cannot get dcb. But I have made mistakes with credit cards.

I wish I had a community to tell me 18 years ago. Just follow what people here said and you will be fine and get your hands on top cards.

Best to you!

Yes thinking to do the same. Right now the DCB criteria is really high at 1.75 L