Infinia add-on card instead of secured card?

[joell]

My friends dad has infinia and Imperia. He doesn't have any credit history or card. The HDFC RM offered them an add-on card tied to his father's card. Will this help him build a credit score?
Technically his dad pays the bills so he is just the user right and so it won't help him build a score right?
The RM said once he starts using the card he will get pre-approved offers in a couple of months. But won't help get those without Infinia anyways?

 

[Shubham330]

Add on card also get reported in cibil. It will create his profile in cibil but score will be steady. Its better to have credit card on his own name to build strong credit history.

 

[varun__goel_]

My friends dad has infinia and Imperia. He doesn't have any credit history or card. The HDFC RM offered them an add-on card tied to his father's card. Will this help him build a credit score?
Technically his dad pays the bills so he is just the user right and so it won't help him build a score right?
The RM said once he starts using the card he will get pre-approved offers in a couple of months. But won't help get those without Infinia anyways?

Add on card also get reported in cibil. It will create his profile in cibil but score will be steady. Its better to have credit card on his own name to build strong credit history.

HDFC does not report add on card to cibil AFAIK.
Only Amex and ICICI do as of now.
So no getting hdfc add on won't help build cibil history.

The RM said once he starts using the card he will get pre-approved offers in a couple of months.

Don't do this mistake.
HDFC algo is fu**ed up. They will not offer pre approved card at all to one who olds add - on

 

[Shubham330]

HDFC does not report add on card to cibil AFAIK.
Only Amex and ICICI do as of now.
So no getting hdfc add on won't help build cibil history.

Thanks for info. I was unaware of this.