I have a credit score of 830, but i dont get salary and havent filed itr yet, can i still get non-fd credit card or do i need salary/itr

[bigwillybilly]

I am eligible to pay tax this March, but until then I only have my credit score to show, I currently have a 8 month old fd collaralized credit card and my credit score has been generated on experian and crif. Does anyone know if I can get a non fd-credit card with just my credit score? Or do I need to wait until I pay tax this year

 

[sachinvenga]

Try kotak as they follow experian score.

 

[SiddharthR]

I am eligible to pay tax this March, but until then I only have my credit score to show, I currently have a 8 month old fd collaralized credit card and my credit score has been generated on experian and crif. Does anyone know if I can get a non fd-credit card with just my credit score? Or do I need to wait until I pay tax this year

Try with the bank in which your relationship is more

 

[bigwillybilly]

Try with the bank in which your relationship is more

If I hold axis mutual funds does it count as a relationship? But I used indusind's app to buy them

Currently, my fd, credit card, savings account are all with indusind, and I already have a cc with them

I kind of want axis magnus

 

[SiddharthR]

If I hold axis mutual funds does it count as a relationship? But I used indusind's app to buy them

Yes,

I kind of want axis magnus

Tag Magnus Holders

 

[bigwillybilly]

i forgot to ask, can i ask Indusind to raise my credit limit? if it is an FD backed credit card? ive had this card for 8 months now

 

[kkk]

If I hold axis mutual funds does it count as a relationship? But I used indusind's app to buy them

Currently, my fd, credit card, savings account are all with indusind, and I already have a cc with them

I kind of want axis magnus

Magnus has strict guidelines w.r.t to salary/itr. However if you have an existing credit card with credit limit of 4lakh, then you can try. You might get as Axis are giving Magnus to almost everyone.

 

[bigwillybilly]

Magnus has strict guidelines w.r.t to salary/itr. However if you have an existing credit card with credit limit of 4lakh, then you can try. You might get as Axis are giving Magnus to almost everyone.

Axis guy I talked to told me to just lie about monthly income and write his code on a form, is that OK? Or could I get into trouble with the tax guys etc