Looking For My First credit card - Need Suggestions

[Bob78900]

Hey! I want a credit card but i don't have a cibil score it is 0 and also i am not earning right now. Which card you guys will suggest me to build my credit score . Max Fd amount i can use is 5-7k not more than this and I'll use that card only for small amounts like phone recharge etc . So please suggest me a card to build my cibil score

 

[alanabraham]

In that case, begin with One Card

 

[akshayhs]

I was in the same situation as you exactly one year back.

Back then, I had a friend refer me to Slice and my credit journey began like that. 6 months into using it, I had a great score (at least for me personally!) and then OneCard issued a card without any enquiry and other document verification.

So I would suggest you to try OneCard even if they'll give you the FD attached card. Something is better than nothing and it will really help build your score well provided you make your repayments on time.

 

[Bob78900]

I was in the same situation as you exactly one year back.

Back then, I had a friend refer me to Slice and my credit journey began like that. 6 months into using it, I had a great score (at least for me personally!) and then OneCard issued a card without any enquiry and other document verification.

So I would suggest you to try OneCard even if they'll give you the FD attached card. Something is better than nothing and it will really help build your score well provided you make your

 

[Bob78900]

Thankyou so much ❤️ one more question slice shows as consumer loan in cibil right? Also do i need any income document or cibil to get slice card?

 

[akshayhs]

Thankyou so much ❤️ one more question slice shows as consumer loan in cibil right? Also do i need any income document or cibil to get slice card?

Correct.

If you're applying as a salaried individual (like I did), they will ask for either your company ID card or company e-mail ID. That's it. They don't ask you anything else (at least it was so back then).

So try to get someone to refer you and your application (based on their repayment history) may be expedited by Slice. I know this because my previous application was unmoved as I had applied without any referral and also I had selected "Student". I asked them to reset my application status and started afresh. On the day I applied, I got an SMS within 10-15 mins confirming my approval with a credit limit of 50k.