Has anyone tried applying for Federal Bank Card Online ?

[StanRoute66]

I have Fi Federal Bank Account . I was thinking , I could get a Federal Bank CC by applying online .
Share your Views.

 

[fatehbajwa]

@fatehbajwa @StanRoute66

Reports from Cibil & Experian. Its was mentioned as Secured Credit Card until January 2022. Now it's mentioned as Credit Card (All Unsecured cards are mentioned as credit cards)

Hope it helps.

I just checked my latest Experian. It just says credit card. Haven't see the older ones yet to see if it says secured.

 

[fatehbajwa]

I've tried everything

What happens when you fill in the details in the OneCard app?

 

[prc1990]

View attachment 987

Doesn't make sense to take a card with such a low limit.

 

[fatehbajwa]

View attachment 987

WTF!!!!

 

[alanabraham]

I just checked my latest Experian. It just says credit card. Haven't see the older ones yet to see if it says secured.

As I mentioned, till January '22 it was mentioned as Secured Credit Card. After that it unsecured. So don't know what exactly happening. It would be good, if they converted the secured one to unsecured.

 

[alanabraham]

I can see APL services in your report, try closing it if you already have credit cards.

Yes. Planning to do so. Probably next month.

 

[AllSeeker]

Only secured option is coming on both apps
I am not interested in securing version at all

Forget about it, you already have good path ahead in hdfc and axis possibilities. Forget about one card, it's just novelty and useful if you have no other cards.

 

[fatehbajwa]

It's a secured card
I can take FD to get any limit but I don't want a secured card

It's a secured card
I can take FD to get any limit but I don't want a secured card

You mean to say that even with the 2200/- limit, it's a secured card?

 

[alanabraham]

You mean to say that even with the 2200/- limit, it's a secured card?

If you make a fd of ₹2,000 they will give secured card for ₹2,200
All other banks, minimum ₹10K FD is must. With OneCard, any can start with as low as ₹2,000

 

[fatehbajwa]

It's an dummy limit.110% of 2000, if I make FD of 2000. If I made x FD, I get 1.1x as limit. Minimum FD amount is 2K so as an example, that's what the limit being shown.

Post the call I had with their customer care yesterday, I just received a long, irritating and childish call from the guy who supposedly handles their twitter account. I had put down a request there too.....either change my card to unsecured or cancel the FD and refund me the money.

This was their half baked idea of a retention call where they don't want to offer anything except vague promises but in return want a commitment from the customer that he would keep the card for some more time (not quantified or fixed) in the vague 'Please believe me' hope that they convey about changing from secured to unsecured !!

I was amazed at the completely hipster,millennial language used.....trying to sound cool....rather than professional.

Anyway, it was going on and on and I finally had to tell him that I'm busy and he should call me the day the 6 months get over. Because that's the day I'll take a call.

Amazing!!!

 

[fatehbajwa]

Yes, only secured option again FD is available for me, no option for unsecured whatsoever. It's the case for many people.

DON'T DO IT!! PERIOD.

 

[swastik2233]

Yes, only secured option again FD is available for me, no option for unsecured whatsoever. It's the case for many people.

Don't take it. Once you take secured card , they will never give you unsecured one even if you close your FD.

 

[blacktiger]

I have Fi Federal Bank Account . I was thinking , I could get a Federal Bank CC by applying online .
Share your Views.

i have the signet card, it should be the worthless cards in the history of cards given its fee/rewards ratio