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Need suggestion for AXIS Secured ------>Unsecured

M

mailmenow

TF Legend
Need suggestion for my friend.
He has only myzone fd based credit card. It's almost 4+months since he took the credit card.
He already has axis savings account from March 2025 . He is not getting any pre-approved unsecured credit card offer because of this secured card.

1)Should he close the fd backed card to get unsecured cadd???
2) Should he need to open a PAY LATER to maintain his credit history if he close this fd card?? (not interested to take any other bank fd card anymore)
3) if he close his fd card within how many months the pre-approved offer starts to appear??

He has only this secured card in his portfolio no any other loan or cards. Not interested to take any other bank fd card also. He really need a unsecured card now. But it's getting rejected by axis while applying. Please give your suggestions.
 
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Same case with me but in different scenario such as fd card with burgundy account with 3 years of both account and fd card and no offers for applying a card, they have totally removed such offers, you are wasting time with such axis offers, closing fd card creates more problem just open account in another bank such as hdfc and dont take fd card there within 4 months you will get pre approved with 1 lakh limit. atleast hdfc gives pre approved offers with lower limit, try your luck there, forget axis dont waste any time there its just junk.
 
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mailmenow said:
Need suggestion for my friend.
He has only myzone fd based credit card. It's almost 4+months since he took the credit card.
He already has axis savings account from March 2025 . He is not getting any pre-approved unsecured credit card offer because of this secured card.

1)Should he close the fd backed card to get unsecured cadd???
2) Should he need to open a PAY LATER to maintain his credit history if he close this fd card?? (not interested to take any other bank fd card anymore)
3) if he close his fd card within how many months the pre-approved offer starts to appear??

He has only this secured card in his portfolio no any other loan or cards. Not interested to take any other bank fd card also. He really need a unsecured card now. But it's getting rejected by axis while applying. Please give your suggestions.
Click to expand...
Please help @hender @HumorSimpson @Dr.AMAN @SSV @Anindya98 @Vasuki @everyone
 
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mailmenow said:
Need suggestion for my friend.
He has only myzone fd based credit card. It's almost 4+months since he took the credit card.
He already has axis savings account from March 2025 . He is not getting any pre-approved unsecured credit card offer because of this secured card.

1)Should he close the fd backed card to get unsecured cadd???
2) Should he need to open a PAY LATER to maintain his credit history if he close this fd card?? (not interested to take any other bank fd card anymore)
3) if he close his fd card within how many months the pre-approved offer starts to appear??

He has only this secured card in his portfolio no any other loan or cards. Not interested to take any other bank fd card also. He really need a unsecured card now. But it's getting rejected by axis while applying. Please give your suggestions.
Click to expand...
Tell him to relax. For getting any Axis CC approved u need atleast 6 months of Credit history. Before that they wont approve the card. Because this is his only CC right now so tell him to keep using it regularly for next 2-3 months. Once his credit history is >6 months old then he can start applying unsecured CC from other banks including Axis. Meanwhile if he is too eager to get unsecured CC, then tell him about Slice too. They r giving out their CCs like candies these days.
 
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Dr.AMAN said:
Tell him to relax. For getting any Axis CC approved u need atleast 6 months of Credit history. Before that they wont approve the card. Because this is his only CC right now so tell him to keep using it regularly for next 2-3 months. Once his credit history is >6 months old then he can start applying unsecured CC from other banks including Axis. Meanwhile if he is too eager to get unsecured CC, then tell him about Slice too. They r giving out their CCs like candies these days.
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He is not getting unsecured, is it because of secured credit card a main reason ?
 
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mailmenow said:
He is not getting unsecured, is it because of secured credit card a main reason ?
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I dont think so. Axis usually doesnt care about this secured/unsecured or core/cobranded thing. To get any entry level unsecured Axis CC u need to satisfy 2 main criteria: 1. Minimum existing Credit card limit of 50k and 2. Minimum age of that CC should be 6 months(6 Cibil entries should be there). For me also they had rejected Airtel Axis CC 2 years back citing this 6 month rule when my credit history was <6months old
 
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bing1309 said:
No no nothing like that on pre approved offer itself you get (if FD card is there you will get) so in my wife case unsecured was given with limit of 3.5l and fd limit was 50k once unsecured pre approved given then closed FD)
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Ok . That's great info. Do ur wife hold axis account? If so then within how many months the pre-approved cards starts showing in app after opening savings account
 
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mailmenow said:
Ok . That's great info. Do ur wife hold axis account? If so then within how many months the pre-approved cards starts showing in app after opening savings account
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Wife 7 within months got unsecured, axis burgundy status saving and fd backed my zone

Brother case 3 years old burgundy status in savings and 75k fd limit card my zone 3 years old both account and card and no offers despite normal transactions

Opened account in hdfc for brother with imperia status and in 4 months got pre approved for 1.16l credit limit dinners club and other low end cards
 
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Dr.AMAN said:
I dont think so. Axis usually doesnt care about this secured/unsecured or core/cobranded thing. To get any entey level unsecured Axis CC u need to satisfy 2 main criteria: 1. Minimum existing Credit card limit of 50k and 2. Minimum age of that CC should be 6 months(6 Cibil entries should be there). For me also they had rejected Airtel Axis CC 2 years back citing this 6 month rule when my credit history was <6months old
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Ok. Credit history will start to build after 2-3 month from credit card account opening of I am not wrong?
So you mean total 6 month credit age of card should be there or total 6 month credit history (from credit history build) is needed?
 
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mailmenow said:
Ok. Credit history will start to build after 2-3 month from credit card account opening of I am not wrong?
So you mean total 6 month credit age of card should be there or total 6 month credit history (from credit history build) is needed?
Click to expand...
Yes u r right.There should be 6 months history in Cibil. So it may take 6-8 months after getting the 1st CC. I faced this exact scenario were my Apay ICICI card was already 6 months old but the Cibil was not yet updated. Because Axis couldnt see the update in Cibil report so they rejected it and told me to wait
 
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And I received few computer generated calls and customer care calls providing instant loan same amount showing here.

So I guess these are all pre approved
 
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