Regarding Credit card

[Shubham0720]

I m 19 years old right now ,will be 20 in Nov.I want to get my first credit card ,right now i have onecard with 2200 limit, My cibil is 750, due to Lazypay ,zest money and one card ,i closed Amazon pay later and flipkart pay later 1 month back,
Please can anybody guide me to get my first credit card .I have filed my ITR of 4.9L this year. I have kotak 811 from 6 months but no pre-approved offer till now ,Applied axis Neo credit card in July ,but got declined ,
how to move forward now ??

 

[ishank1001]

I m 19 years old right now ,will be 20 in Nov.I want to get my first credit card ,right now i have onecard with 2200 limit, My cibil is 750, due to Lazypay ,zest money and one card ,i closed Amazon pay later and flipkart pay later 1 month back,
Please can anybody guide me to get my first credit card .I have filed my ITR of 4.9L this year. I have kotak 811 from 6 months but no pre-approved offer till now ,Applied axis Neo credit card in July ,but got declined ,
how to move forward now ??

please close your BNPL as those are not credit cards but loans.
let use know what is your requirement? where will you spend your money so community can suggest a card accordingly.

 

[Shubham0720]

please close your BNPL as those are not credit cards but loans.
let use know what is your requirement? where will you spend your money so community can suggest a card accordingly.

I almost have all kinds of usage except travel bookings ,
means i Shop a lot on amazon, bills ,grocery items ,offline purchases.etc.
just need my first unsecured credit card.

 

[tiny]

Open a basic HDFC account and park some money in it like 40-50k and do basic transitions with it. Or if you have more money you can can keep that too

 

[ishank1001]

I almost have all kinds of usage except travel bookings ,
means i Shop a lot on amazon, bills ,grocery items ,offline purchases.etc.
just need my first unsecured credit card.

with your ITR, you can try for kotak LEAGUE.
it's not the best card you can get, but your chances for approval is higher because you already have a relationship with bank. You can further increase your chances by converting your 811 to Edge account.

 

[Shubham0720]

with your ITR, you can try for kotak LEAGUE.
it's not the best card you can get, but your chances for approval is higher because you already have a relationship with bank. You can further increase your chances by converting your 811 to Edge account.

But i need that 811 for zero balance activities.
for that kotak league ,should i go to the branch or apply online.which method has good approval rate ?
because the branch is just 50m away from my home.

and i also got a whatssapp message from flipkart regarding that you are prequalified for flipkart axis bank card, so should i apply because i think that axis will again decline ,as it declined my application of neo credit card in july.

 

[ishank1001]

But i need that 811 for zero balance activities.
for that kotak league ,should i go to the branch or apply online.which method has good approval rate ?
because the branch is just 50m away from my home.

and i also got a whatssapp message from flipkart regarding that you are prequalified for flipkart axis bank card, so should i apply because i think that axis will again decline ,as it declined my application of neo credit card in july.

please keep a decent amount in you account, also try with branch to apply for card because they might be able to approve it.
as you mentioned that your spend is on Amazon mostly, I don't think flipkart card will be usefull.

 

[Shubham0720]

please keep a decent amount in you account, also try with branch to apply for card because they might be able to approve it.
as you mentioned that your spend is on Amazon mostly, I don't think flipkart card will be usefull.

Okay ,Thanks a lot man ! really appreciate it.

 

[ltf4ever]

I m 19 years old right now ,will be 20 in Nov.I want to get my first credit card ,right now i have onecard with 2200 limit, My cibil is 750, due to Lazypay ,zest money and one card ,i closed Amazon pay later and flipkart pay later 1 month back,
Please can anybody guide me to get my first credit card .I have filed my ITR of 4.9L this year. I have kotak 811 from 6 months but no pre-approved offer till now ,Applied axis Neo credit card in July ,but got declined ,
how to move forward now ??

why not try idfc first millenia? it is lifetime free, and minimum income as they mentioned on website is 25k per month.

 

[Shubham0720]

why not try idfc first millenia? it is lifetime free, and minimum income as they mentioned on website is 25k per month.

I am 19 years bro and age required is 21 or 23 i believe.