Need Help for Unsecured Credit Card

[aadi]

Hello everyone!
I just joined this forum. First of all thanks to @TechnoFino for providing such a great forum to put our concern. So my question is - I'll be 19 years old in sept,22. I don't have any income proof or itr or salary slip as of now. But I do make few 10-15k a month through various freelancing options. So I want to know what are the way to get an unsecured credit card. My current credit history is -
Have 10 months old BNPL with Flipkart, and 4 months old secured onecard lite. My cibil is - 772 and Experian score is - 831. I have an ICICI account in which I'm maintaining 40-50k and spending rigorously using debit card. But they don't allow unsecured cc before 21 and few days back I looked into HDFC cc to see if they give any card. But the application got some technical error (have mailed them, yet to receive a reply) so now HDFC made a hard enquiry in CIBIL for 1000₹ for credit card. I mean why would they do it when my application wasn't even completed? Anyways, my question is- Somebody help me in getting an unsecured cc through any referrals or anything possible?

 

[TechnoFinoTechnoFino is verified member.]

Hi aadi,
Welcome to TF Community.
I would suggest you to maintain bank account with HDFC bank, they offer credit card (pre-approved) easily.

 

[aadi]

Hi aadi,
Welcome to TF Community.
I would suggest you to maintain bank account with HDFC bank, they offer credit card (pre-approved) easily.

Yes I was thinking the same, ICICI doesn't add much value considering the amount I'm spending, will open HDFC account in this month only. Should I go for digisave youth account or the regular savings account ?

 

[Karthik:]

Yes I was thinking the same, ICICI doesn't add much value considering the amount I'm spending, will open HDFC account in this month only. Should I go for digisave youth account or the regular savings account ?

Considering your AMB in ICICI, I would recommend HDFC savings max account with millennia debit card. This account requires 25,000 AMB, but provide almost everything for free. Do many transactions using your debit card. They will easily come up with pre approved offers. That's how I got my first unsecured credit card.

 

[aadi]

Considering your AMB in ICICI, I would recommend HDFC savings max account with millennia debit card. This account requires 25,000 AMB, but provide almost everything for free. Do many transactions using your debit card. They will easily come up with pre approved offers. That's how I got my first unsecured credit card.

Thanks, but I had already opted for digisave youth account, will upgrade to savings max after a year because they offered me 1 year free millennia debit card with almost 50-60% benefits of savings max account. Let's see if I get any pre approved offer till then or not.

 

[TheTrickySid]

Thanks, but I had already opted for digisave youth account, will upgrade to savings max after a year because they offered me 1 year free millennia debit card with almost 50-60% benefits of savings max account. Let's see if I get any pre approved offer till then or not.

You can upgrade it right now coz savings max has no debit card charges be it any variant.

 

[ashwinkashwink is verified member.]

Hello everyone!
I just joined this forum. First of all thanks to @TechnoFino for providing such a great forum to put our concern. So my question is - I'll be 19 years old in sept,22. I don't have any income proof or itr or salary slip as of now. But I do make few 10-15k a month through various freelancing options. So I want to know what are the way to get an unsecured credit card. My current credit history is -
Have 10 months old BNPL with Flipkart, and 4 months old secured onecard lite. My cibil is - 772 and Experian score is - 831. I have an ICICI account in which I'm maintaining 40-50k and spending rigorously using debit card. But they don't allow unsecured cc before 21 and few days back I looked into HDFC cc to see if they give any card. But the application got some technical error (have mailed them, yet to receive a reply) so now HDFC made a hard enquiry in CIBIL for 1000₹ for credit card. I mean why would they do it when my application wasn't even completed? Anyways, my question is- Somebody help me in getting an unsecured cc through any referrals or anything possible?

Also do open a new kotak 811 account they are also rolling pre approved offers easily 👍

 

[aadi]

Also do open a new kotak 811 account they are also rolling pre approved offers easily 👍

Will think about it, as I'll have almost 4 bank accounts which I personally don't want.

 

[TechnoFinoTechnoFino is verified member.]

Yes I was thinking the same, ICICI doesn't add much value considering the amount I'm spending, will open HDFC account in this month only. Should I go for digisave youth account or the regular savings account ?

get regular one, or if you have any problem, get savings max

 

[skvignesh]

You can upgrade it right now coz savings max has no debit card charges be it any variant.

in savings max, can the auto sweep facility turned off? @TechnoFino

 

[TheTrickySid]

in savings max, can the auto sweep facility turned off? @TechnoFino

It's off by default

 

[skvignesh]

It's off by default

It's mentioned that if balance crosses 125k it will automatically create 25k as FD...
So it can be disabled know?

 

[TheTrickySid]

It's mentioned that if balance crosses 125k it will automatically create 25k as FD...
So it can be disabled know?

The thing you are talking about is the money maximizer facility provided by HDFC Bank.

And the account eligible for this facility is Savings Max account.

So this facility is not enabled by default, you need to give a written request at the branch to get it activated.

 

[skvignesh]

The thing you are talking about is the money maximizer facility provided by HDFC Bank.

And the account eligible for this facility is Savings Max account.

So this facility is not enabled by default, you need to give a written request at the branch to get it activated.

Okay thanks, i am on regular savings thinking to upgrade to savings max . I don't want to create auto FDs.. so only asked whether money Maximizer can be deactivated or not .. thanks

 

[aadi]

get regular one, or if you have any problem, get savings max

Thanks but I had already opted for digisave account, will definitely upgrade to savings max in 2-3 months as many people said that will increase pre-approval chance.