How to get one card?

[Bob78900]

How can one get unsecured one card. I already have 4-5 unsecured cards with decent limit. Salary is also good. How can i get one card unsecured.
Asking for a friend 👍

 

[TheTrickySid]

Do you have metal version?

Yes😁

 

[TheTrickySid]

I have IDFC partner bank, card shows up as IDFC card in credit scores as well as CRED app.

There is no real criteria, at the time when it was IDFC, it was only about CIBIL score.

I do not have long credit history, though I did have education loan, its not considered good enough thing I think. They are looking for personal/consumer durable/credit/housing or vehicular loan history.

I did not have any unsecured card before OneCard

I did not have good limit on it either.

I did have however spotless repayment history, still do and I was one of the early applyers for OneCard. Its already been more than a year since I hold it, I had been using onescore for at least couple of months before I got the offer too.

I don't have long history too🤣
The oldest one is 3 months 🤣🤣

 

[prc1990]

I don't have long history too🤣
The oldest one is 3 months 🤣🤣

Pre-approved offer is showing up for me, do we need to upload payslip if it is pre-approved?

 

[AllSeeker]

Pre-approved offer is showing up for me, do we need to upload payslip if it is pre-approved?

No, I did not upload any documents other than pan number and aadhar when I had applied.

 

[TheTrickySid]

Pre-approved offer is showing up for me, do we need to upload payslip if it is pre-approved?

Nope, nothing asked for me directly vkyc
Btw what's your approved limit ?

 

[prc1990]

Nope, nothing asked for me directly vkyc
Btw what's your approved limit ?

175K

 

[TheTrickySid]

175K

How many cards do you have

 

[prc1990]

Nope, nothing asked for me directly vkyc
Btw what's your approved limit ?

Thank You! Not getting the courage to accept it as my score is OOL for some time 😂.

 

[AllSeeker]

Everyone seems to be getting it

No, ever since they started FD thing its rare to see people with pre-approved metal cards. None of the invites I had sent have gotten pre-approved after FD thing was introduced 🤣

 

[prc1990]

How many cards do you have

9 CCs so far.

 

[AllSeeker]

Thank You! Not getting the courage to accept it as my score is OOL for some time 😂.

You should get it immediately, there have been cases where the offer goes away.

 

[TheTrickySid]

Thank You! Not getting the courage to accept it as my score is OOL for some time 😂.

As you already have the pre approved offer I don't think the score will matter as of now

 

[TheTrickySid]

9 CCs so far.

Do you have rm from any bank

 

[prc1990]

You should get it immediately, there have been cases where the offer goes away.

My current score is 709 only due to incorrect reporting by my home loan lender bank and that's why the step back is.

 

[prc1990]

Do you have rm from any bank

Yes from Axis.

 

[TheTrickySid]

Yes from Axis.

Can you help me get a axis cc with the of your rm please 😅

 

[prc1990]

As you already have the pre approved offer I don't think the score will matter as of now

Will I get unsecured one?

 

[TheTrickySid]

My current score is 709 only due to incorrect reporting by my home loan lender bank and that's why the step back is.

I don't think it will matter coz they have already made an offer for you,
They are just waiting for your approval/application.

 

[TheTrickySid]

Will I get unsecured one?

Obviously why would you get a pre approved offer for secured card🤣

 

[prc1990]

Can you help me get a axis cc with the of your rm please 😅

Getting Axis CC and that too LTF is very easy now. Currently they are offering the following cards under the pricing LTF:

1. Myzone
2. NEO
3. Flipkart
4. Indian Oil

Call up customer care and you would get it.