Wont reduce much..apply both without thinkingOkay I will apply sbi and Bob at once... Will it significantly reduce cibil or just 5-10 points?
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Wont reduce much..apply both without thinkingOkay I will apply sbi and Bob at once... Will it significantly reduce cibil or just 5-10 points?
I need 1 more SuggestionWont reduce much..apply both without thinking
Avoid idfcI need 1 more Suggestion
I have a personal loan from IDFC taken in nov 2024 which was offered to me as Pre approved
So should I also consider that bank instead of sbi because I don't have any relationship with sbi
Note- when I check credit card eligiblity before 2 week on idfc web it only showed me wow card
Only useful for icici instant discount offersBro is icici platinum chip credit card good?
As it's eligibility criteria is very easy 2.5lac @pa
Yaaa can i consider it to apply???Only useful for icici instant discount offers
My grandfather also has icici platinum he told me it is good beginner card he has 2lac limitYaaa can i consider it to apply???
And bro i am very thankful to you as you are helping me a lot fini7777
Avoid,Yaaa can i consider it to apply???
And bro i am very thankful to you as you are helping me a lot fini7777
Simplyclick is somewhat better if u spend onlineBro which variant should I apply in sbi?
Bob I am applying for easy card
Hi Everyone,
So I have many credit cards and super premium cards as well including Infinia, DCB, Biz Black etc
However, I need to apply the first credit card for my mom. But, all the applications is been rejected by axis and hdfc bank. And I am not even applying for premium cards.
Can someone guide me as what cards should I apply for or how should I start the cards journey for her?
She has ITR of 7 lacs currently and from this year it will go up to 10 lacs. This year we have added her as main business partner as well so from next year she will have very good income on ITR.
No not online but I think I’ll have to speak to my RM!Nothing showing as pre-approved in any of her bank accounts?
I don’t think that secured cards would be good! Bcoz I have heard that as soon as I close the FD, card will expire!Secured cards might be the first step.. with FD backing cards probably..
I am not really sure!! Do you know where I can check it?Does she have any credit history, any kind of loan or anything?
Thanks for the explanation!!Apply for basic cards which have low ITR requirement of 6L or less.. Don't apply for cards that your mom will not be able to meet the min eligibility criteria. This way they will consider issuing you a card with low credit limit.
Once you get a card, use it carefully for first few months so that they offer you limit enhancement..
Once you have a card and use it for a few months, getting a second card is easier..