Regarding Flipkart Axis Credit Card

[shubham__0720]

I applied for flipkart axis card last time in the month of november And all the kyc process was done offline . A guy came for signature and all
but eventually the application was not processed succesfully
However i have again recieved a option for applying the Credit card on the Flipkart app.
Should i apply ?
CIBIL - 746
Experian - 803
age - 20
ITR- 4.5L approx

If yes , Any tips for maximum approval chances.I want this card very much.

 

[Gautham]

I applied for flipkart axis card last time in the month of november And all the kyc process was done offline . A guy came for signature and all
but eventually the application was not processed succesfully
However i have again recieved a option for applying the Credit card on the Flipkart app.
Should i apply ?
CIBIL - 746
Experian - 803
age - 20
ITR- 4.5L approx

If yes , Any tips for maximum approval chances.I want this card very much.

3 months not completed. they will reject again most likely

 

[Batmanbaba]

wait for cibil to go over 750

 

[shubham__0720]

wait for cibil to go over 750

ok bro! Currently I closed all My BNPL's( had 2 , lazypay and Flipkart pay later) .so i believe in the next month cibil will get updated and increased .Fingers crossed🤞

 

[doomlord]

ok bro! Currently I closed all My BNPL's( had 2 , lazypay and Flipkart pay later) .so i believe in the next month cibil will get updated and increased .Fingers crossed🤞

Even I have Flipkart pay later, closing it really helps to increase cibil score?

 

[Chaitanya-a]

Even I have Flipkart pay later, closing it really helps to increase cibil score?

Yes. BNPLs have negative effect on your credit report as its shown as Personal loan.

 

[doomlord]

Yes. BNPLs have negative effect on your credit report as its shown as Personal loan.

but it is the oldest account in my credit history, if I delete it, will my account age decrease? and will it impact it negatively? This was opened last year (Feb, 2022) and the oldest cc in my report is in oct 22.

 

[Chaitanya-a]

but it is the oldest account in my credit history, if I delete it, will my account age decrease? and will it impact it negatively? This was opened last year (Feb, 2022) and the oldest cc in my report is in oct 22.

Do you already have unsecured CC after this BNPL? If yes, then you should close this account.

 

[doomlord]

Do you already have unsecured CC after this BNPL? If yes, then you should close this account.

Yes I'm having 3 unsecured CCs, thanks for the information 😀

 

[Chaitanya-a]

Yes I'm having 3 unsecured CCs, thanks for the information 😀

I'm still facing rejection for IDFC unsecured cards because of this Flipkart Pay later. As its given by IDFC. Even though I've closed it 1 year ago.

 

[suhailmz]

I'm still facing rejection for IDFC unsecured cards because of this Flipkart Pay later. As its given by IDFC. Even though I've closed it 1 year ago.

I closer Flipkart paylater last year after missing a payment by mistake. However, I can see credit card offer in IDFC app as I have savings account there. Not sure if I should apply, fearing rejection.

 

[Chaitanya-a]

I closer Flipkart paylater last year after missing a payment by mistake. However, I can see credit card offer in IDFC app as I have savings account there. Not sure if I should apply, fearing rejection.

Even I get the offer on their app coz I'm their customer as well but after clicking on the link, they say offer not available for you.

 

[doomlord]

I'm still facing rejection for IDFC unsecured cards because of this Flipkart Pay later. As its given by IDFC. Even though I've closed it 1 year ago.

Damn, Even when I applied, They offered me WoW card that too FD based so I didn't go for it. Wasted CIBIL hit