One Card offers upgrade from FD to unsecured card

[Dexter]

I have got an offer in the OneCard app to upgrade to unsecured card. I had FD of 10k. Now they are giving limit of 3.6L and processing refund of FD.



Earlier, I had SBM bank Visa card. Now it is offered in Mastercard CSB bank. I had to complete KYC again.

 

[Salvo08]

For me they replied after 40days of posting query.
Then asked for proof which was already shared with the initial email. I abandoned issue 🙁
So not so great experience thus far...

Absolutely agreed. Their Customercare sucks. In fact there is no Customer Care only. They reply to speak on their on will. App keeps on telling something else like ‘issue will be resolved in 48 hours’. And that remains same even after a week. The only USP of the card is that it’s a metal card at entry level.

 

[sasha008]

I have got an offer in the OneCard app to upgrade to unsecured card. I had FD of 10k. Now they are giving limit of 3.6L and processing refund of FD.

View attachment 45188

Earlier, I had SBM bank Visa card. Now it is offered in Mastercard CSB bank. I had to complete KYC again.

View attachment 45189

Did the old account in CIBIL get closed or does the account number in CIBIL stay the same after one card upgrade from secured to unsecured?

 

[the.avhishek]

Did the old account in CIBIL get closed or does the account number in CIBIL stay the same after one card upgrade from secured to unsecured

I asked same question to Onecard customer care for my upgrade and they said because of upgrade your bank changed so old account close and new account create in CIBIL within 50-60 days

 

[sasha008]

I asked same question to Onecard customer care for my upgrade and they said because of upgrade your bank changed so old account close and new account create in CIBIL within 50-60 days

oh my one card secured is my oldest cc. Damn guess I will never be able to close it then..

 

[the.avhishek]

oh my one card secured is my oldest cc. Damn guess I will never be able to close it then..

same bro, my onecard is 3 years old my oldest & first cc, cibil drop definetly but recover in few months, not a big deal. many people want this type of upgrade so if you got then accept it, you're lucky.

 

[sasha008]

Did anyone who underwent secured to unsecured upgrade notice their old one card closed in cibil? Or did it remain active?

 

[AnungUnRama]

Did anyone who underwent secured to unsecured upgrade notice their old one card closed in cibil? Or did it remain active?

Old cc closed.

 

[Salvo08]

Did the old account in CIBIL get closed or does the account number in CIBIL stay the same after one card upgrade from secured to unsecured?

The old account will get closed and CIBIL will reflect details of new card

 

[Salvo08]

oh my one card secured is my oldest cc. Damn guess I will never be able to close it then..

The credit history will reflect the old date of card acquisition only so do not worry on that account.

 

[sasha008]

The credit history will reflect the old date of card acquisition only so do not worry on that account.

are you sure? did you experience it your self that the new once card shows the date of acquisition of the old card?

 

[Salvo08]

are you sure? did you experience it your self that the new once card shows the date of acquisition of the old card?

Ya. My oldest card was PNB Gold (14 year old relationship), then requested PNB to upgrade to Rupay Select last year and my credit history shows a 14 year old relationship only. This was for Experian.

My CIBIL still shows 24 year old credit history as my fist ever credit card was from Citi in 1999.

 

[Salvo08]

are you sure? did you experience it your self that the new once card shows the date of acquisition of the old card?

One card is comparatively new so I don’t think your relationship will be more than 3-4 year old so don’t think that should make such a huge impact on your credit score even if they modify your credit history.

 

[Broken Arrow 1976]

Anyone aware how to get the interest certificate for OneCard FD, or is it not required when filing the ITR.

 

[the.avhishek]

Anyone aware how to get the interest certificate for OneCard FD, or is it not required when filing the ITR.

not required .

 

[Shobhit Srivastava]

Anyone aware how to get the interest certificate for OneCard FD, or is it not required when filing the ITR.

Brother it will show accrued interest value in your AIS, TIS & 26AS or you can also get it by mail them

 

[finbro]

How much time does OneCard (SBM Bank) take to refund FD amount after conversion to unsecured card ?

 

[AnungUnRama]

How much time does OneCard (SBM Bank) take to refund FD amount after conversion to unsecured card ?

7-8 working days.

 

[praharsh]

I have got an offer in the OneCard app to upgrade to unsecured card. I had FD of 10k. Now they are giving limit of 3.6L and processing refund of FD.

View attachment 45188

Earlier, I had SBM bank Visa card. Now it is offered in Mastercard CSB bank. I had to complete KYC again.

View attachment 45189

I also got it on one card from Indian Bank and there are now providing metal card on 20k limit.

 

[CCgeeks]

Anyone with 2k FD received the offer?

yes, got with good limit as well

 

[newinnov]

yes, got with good limit as well

and here with 55k weighting since 2 years ki- 'mera number kab aayega' 🙁