How to get unsecured credit card student 21

[Vasuki]

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

Wait for IPL to start 🥸. They will push tata services hard

 

[prakashraj]

Cibil is 730 - please don't apply any card untill u r 750+

3 default?? U mean late payment i m assuming. ( By how many days )
1 -2 is acceptable but 3 - okie not judging but be careful ( its completely fine just keep in mind never apply amex)

Coming to your profile - idk your area but if your home address is city then u r eligible for all major Bank as serviceable area if u r not . please start giving communication address as major City . where anyone of your family resides.

Induslnd won't give u card now ! Just keep zero balance & maintain minimum relationship. ( Apply offline c2c when u have cc with 1+ lakh limit)

Sbi 0 mab . Sbi & sbi cards have very little connection .( Try applying offline if during process they ask income doc ,just ignore the application & apply after 3+ month . should get without doc )

Kotak 45k - keep using don't overuse . Won't say about % utilisation ratio but use only in emergency .

Hdfc - maintain good amount from now on 25+ everytime 50-60 k is good amount if u can maintain till april . Expect pre approved offer then .
Hdfc is good in giving first cc . ( with low amount 😄 )

Icici - once u get hdfc & still have spare fund. U can do x amount fd & get cc
Then after 3-6 month u can apply for Icici apay & get it unsecured.


Bank sees money to lend money . Its show-off bussines 🥸.
Since you messed up cibil & payment keep low for sometime.
& If u have many bnpl start closing onces who shows as personal loan in cibil like paytm postpaid.

Visited indusind last month for C2C and they said that this process is closed now. They are just misguiding me or did that really happened?

 

[Vasuki]

Visited indusind last month for C2C and they said that this process is closed now. They are just misguiding me or did that really happened?

Ask for induslnd agent .. must be here

 

[Tejo]

im tired of waiting to get pre approved offer, I kept 3 lakhs in hdfc for a month got no cc offer, I got pissed and just spent all 3 lakhs, 1,25,000 iphone 15 pro, 90k apple watch ultra 2, 10k homepod mini, 1,35,000 macbook air lmaoo I just ordered all from apple store, got some accessories too, just made a purchase of 3,84,000 lmaooo dont know if im happy or sad

Who said you, Keeping funds in bank will give pre-approved offer ?

You need to spend your money and transact.......

 

[doraemon]

L.e after 1 year. Or after 21 for fd card .
Lucky if its before 21

Yeah let's see if they increase my 5k fd card limit
I am turning 21 on 19 aug

 

[Vasuki]

Yeah let's see if they increase my 5k fd card limit
I am turning 21 on 19 aug

Nhi denge
Tumhra rista Kafi faila hua h

 

[Deleted member 30446]

I am student and I already have 771 cibil so I applied for kiwi but got rejected for credit card so I applied for kotak fd card(2 month old)but I want unsecured one and thinking of closing kotak fd
I opened hdfc digiyouth acc with 7k ruppes, so should I close fd and add 5 k to hdfc and what's the trick to get fast

I got the HDFC Tata Neu Plus with a limit of 125k and Axis Atlas + Axis Privilege with a limit of 95k(now 205k a year later) at 18.

My mom opened the HDFC account for me in 2020 and I applied for the card through Tata Neu app.

But for Axis I opened a Priority account and within 6 months I applied and got it no proof nothing except physical verification.

 

[doraemon]

Nhi denge
Tumhra rista Kafi faila hua h

Kotak se to Maine kafi acche rishte rakhe hai Bhai kya baat karre ho
Itna Bajaj UPI offer m use Kiya hai ki agar 6 mahine ka statements nikale to ek study material ban jayega

 

[doraemon]

I got the HDFC Tata Neu Plus with a limit of 125k and Axis Atlas + Axis Privilege with a limit of 95k(now 205k a year later) at 18.

My mom opened the HDFC account for me in 2020 and I applied for the card through Tata Neu app.

But for Axis I opened a Priority account and within 6 months I applied and got it no proof nothing except physical verification.

Bhai aap thoda roshni daalo in HDFC aapne kya Kiya for card?
What is the ideal amount to be kept?
Can't keep all in this as I there is a loss of 5-6% in intrest

 

[Deleted member 30446]

Bhai aap thoda roshni daalo in HDFC aapne kya Kiya for card?
What is the ideal amount to be kept?
Can't keep all in this as I there is a loss of 5-6% in intrest

I never actually put any of my own money in that account since it was a Joint account and my mom could see my expenses. It only had the MAB 10000 in it for the past 4 years. Last week I got my mom’s name removed from it so will finally now use it for cc bill payments and keep more money in it.

Until now all my money was in Axis except for FD’s which were always in HDFC.

 

[doraemon]

I never actually put any of my own money in that account since it was a Joint account and my mom could see my expenses. It only had the MAB 10000 in it for the past 4 years. Last week I got my mom’s name removed from it so will finally now use it for cc bill payments and keep more money in it.

Until now all my money was in Axis except for FD’s which were always in HDFC.

So that means
Keeping money in fds In HDFC and keeping 10-15k as balance will also make me eligible for card?
And also my brother does not have any cibil card nothing
So he will also be eligible for that
If I do this totka?

 

[Deleted member 30446]

Bhai aap thoda roshni daalo in HDFC aapne kya Kiya for card?
What is the ideal amount to be kept?
Can't keep all in this as I there is a loss of 5-6% in intrest

I suggest that keep money wherever you gwt the best interest and stuff but do an NEFT transaction into your HDFC account and make all your cc payments through Billpay Debit Card and try to use HDFC DC whenever you have to use DC.

 

[Deleted member 30446]

So that means
Keeping money in fds In HDFC and keeping 10-15k as balance will also make me eligible for card?
And also my brother does not have any cibil card nothing
So he will also be eligible for that
If I do this totka?

Best option for your brother is open SavingsMax and keep MAB maintained and only use HDFC DB if he doesn’t have any cc for all payments. Keep on checking preapproved offers through netbanking and eventually after 6 months he might have an offer.

 

[doraemon]

I suggest that keep money wherever you gwt the best interest and stuff but do an NEFT transaction into your HDFC account and make all your cc payments through Billpay Debit Card and try to need to use DC

Yeah that's what I thought
Actually brother I get around 20-30k monthly and I keep them in au as of now as it's through merchant qr


Keeping money in hope of card is like losing 5-6% fixed intrest
What's the billpay ?

 

[doraemon]

Best option for your brother is open SavingsMax and keep MAB maintained and only use HDFC DB if he doesn’t have any cc for all payments. Keep on checking preapproved offers through netbanking and eventually after 6 months he might have an offer.

So savings max is the key!

Will digisave also work as he is 19 as of now

 

[Deleted member 30446]

Yeah that's what I thought
Actually brother I get around 20-30k monthly and I keep them in au as of now as it's through merchant qr


Keeping money in hope of card is like losing 5-6% fixed intrest
What's the billpay ?

HDFC Billpay is the way you pay credit card bills and get 1% via Exclusive DC.

Btw I do like Credit cards a lot but after you get your first decent card no credit card is worth the amount you’re keeping in Savings account instead of making FD. Even Infinia won’t give the average man that much cash back.

 

[Deleted member 30446]

So savings max is the key!

Will digisave also work as he is 19 as of now

Not sure about Digisave but I would highly recommend going for SavingsMax instead if possible.

Maybe you two could help each other by combining both of your liquid funds into one account and then after one of you gets the card switch the funds to other’s account?

 

[doraemon]

HDFC Billpay is the way you pay credit card bills and get 1% via Exclusive DC.

Btw I do like Credit cards a lot but after you get your first decent card no credit card is worth the amount you’re keeping in Savings account instead of making FD. Even Infinia won’t give the average man that much cash back

Yeah mujhe bhi keeda lag Gaya hai ek card lene ka

Not sure about Digisave but I would highly recommend going for SavingsMax instead if possible.

Maybe you two could help each other by combining both of your liquid funds into one account and then after one of you gets the card switch the funds to other’s account?

Thik h Bhai jaisa aap kahe

 

[aniplox]

So savings max is the key!

Will digisave also work as he is 19 as of now

cc milega phir le ka rona hoga.