How to get unsecured credit card student 21

[kratos7]

True that .hdfc with iPhone discounts .

Maintain 1+ lakh . Once u start getting offer pre approved . Don't accept with low limit & lesser than Millennia cc

on apple site theres 5k hdfc discount on iphone but on unicorn store theres 8k discount

 

[Vasuki]

dont want millenia, want dcb or regalia gold for lounge access at least

I said the same

 

[kratos7]

@DocFixIt @S S V
guys I don't want any card except hdfc, I dont even want amex. If I get ltf cards then I will except it otherwise not. So please help me. Right now I have savings account in sbi hdfc kotak axis indusind. axis mab is 12k indusind is 10k hdfc is digiyouth. I plan on closing all my savings account this year. I will only use hdfc and sbi. is this a good decision? also I really want the hdfc regalia or dcb because of apple discounts and airport lounge access and their forex low markup. So rn I have 50k in hdfc but I am buying an ipad tommorow so will have 5-7k in it. I can manage to keep 5-10 lakhs in hdfc account after may. Probably in july, so if i keep 5-10 lakhs in july in my hdfc for 4-5 months or more will I still get regalia/DCB offer? if yes then how long and how to get dcb lft as its fees is 12.5k

 

[kratos7]

also will I get hdfc regalia gold or dcb if I keep 10 lakhs in my savings account for an year even if my cibil is 733, plus I got 38/41 on time payments and 3 past 90 days payment default. Late payment was of rupees 50 only and it was paytms fault.

 

[Vasuki]

also will I get hdfc regalia gold or dcb if I keep 10 lakhs in my savings account for an year even if my cibil is 733, plus I got 38/41 on time payments and 3 past 90 days payment default. Late payment was of rupees 50 only and it was paytms fault.

Can't say on who's fault but try with paytm to rectify. Whoever was the lender .

 

[kratos7]

Can't say on who's fault but try with paytm to rectify. Whoever was the lender .

paytm aint gonna do shit, whats done done. Tried calliing paytm million times but their ivr system never connected to customer care, well guess what karmas a bitch, now god fucked paytm in its ass. tell me if I keep 10k in hdfc rn and after 6 months put 10 lakhs in hdfc account, will I stiill get regalia or dcb offer

 

[Vasuki]

also will I get hdfc regalia gold or dcb if I keep 10 lakhs in my savings account for an year even if my cibil is 733, plus I got 38/41 on time payments and 3 past 90 days payment default. Late payment was of rupees 50 only and it was paytms fault.

If u keep any better 3-5 lakh in hdfc u will get regalia and above .
Maintain 50-60k now then increase the amount when u get .

Things with bank is more desperate you are less are the chances. More relaxed you are , things keep coming your way .

Bank sees money to give money 🤑.
Its game of showoff

 

[Vasuki]

paytm aint gonna do shit, whats done done. Tried calliing paytm million times but their ivr system never connected to customer care, well guess what karmas a bitch, now god fucked paytm in its ass. tell me if I keep 10k in hdfc rn and after 6 months put 10 lakhs in hdfc account, will I stiill get regalia or dcb offer

Yes whenever you maintain . Expect offer by next quarter.

 

[kratos7]

c

If u keep any better 3-5 lakh in hdfc u will get regalia and above .
Maintain 50-60k now then increase the amount when u get .

Things with bank is more desperate you are less are the chances. More relaxed you are , things keep coming your way .

Bank sees money to give money 🤑.
Its game of showoff

cant keep more than 10k now cause i spent 4-5 lakhs this week

 

[kratos7]

Yes whenever you maintain . Expect offer by next quarter.

I can keep 10 lakhs for an year, will I get then, but I can only keep in july 2024

 

[Vasuki]

c

cant keep more than 10k now cause i spent 4-5 lakhs this week

Thats up to you .
Just maintain good balance for next 2 month expect offer in april , may .
If u maintain in april ,may ,june . Expect offer in july .

The more u gonna maintain the Higher the limit .
Higher the card variant

 

[kratos7]

Thats up to you .
Just maintain good balance for next 2 month expect offer in april , may .
If u maintain in april ,may ,june . Expect offer in july .

The more u gonna maintain the Higher the limit .
Higher the card variant

in how much time maximum will I get card offer tho

 

[varun__goel_]

I can keep 10 lakhs for an year, will I get then, but I can only keep in july 2024

With 10L for a year, regalia gold will be very easy. May be dcb also. You will be able to push RM/BM to get approvals even if pre approved offer is not triggered.

 

[kratos7]

w

With 10L for a year, regalia gold will be very easy. May be dcb also. You will be able to push RM/BM to get approvals even if pre approved offer is not triggered.

will I get within 3 or 6 months, I can keep 10-15 lakhs

 

[varun__goel_]

w

will I get within 3 or 6 months, I can keep 10-15 lakhs

No one can provide guarantee sir🙂

 

[Vasuki]

w

will I get within 3 or 6 months, I can keep 10-15 lakhs

See if u maintain say 5 lakh for feb ,march . U might get Offer in april .
But u. Can ALSO get in march ..

If u maintain good balance for few months u will get pre approved offer ..
But when exactly no one can say .

If u have 5 lakh maintain 3 lakh .do 50-50k fd .
Do rd 3-4 ..

And u r good .


This is representative not actual scenario.
Don't stress .. just use hdfc as your only account for few month .
U will learn whats necessary yourself

 

[kratos7]

See if u maintain say 5 lakh for feb ,march . U might get Offer in april .
But u. Can ALSO get in march ..

If u maintain good balance for few months u will get pre approved offer ..
But when exactly no one can say .

If u have 5 lakh maintain 3 lakh .do 50-50k fd .
Do rd 3-4 ..

And u r good .


This is representative not actual scenario.
Don't stress .. just use hdfc as your only account for few month .
U will learn whats necessary yourself

right thanks buddy ur the best

 

[prakashraj]

No nothing. Just the CC as LTF but yes I had good relation with the bank so they approved me with Millennia and also the UPI Rupay card.

How did you got the rupay card after millennia, did you got the banner on my cards or from somewhere else?

 

[Vasuki]

How did you got the rupay card after millennia, did you got the banner on my cards or from somewhere else?

U can easily get virtual rupay ..or tata neu on same limit

 

[prakashraj]

U can easily get virtual rupay ..or tata neu on same limit

Tata neu, I don't know why it got rejected. Now I'm looking for that rupay virtual card.