Should I apply for a new credit card or not?

[sidmal]

Hi all,

I have 5 credit cards but I dont have any Rupay variant. I want to apply for one but the problem is related to number of enquiries in my CIBIL report.

My credit profile is almost 4 years old and I have 14 enquiries till date. Out of those 14, 13 are in the last 3 months alone - 8 in October, 4 in November and 1 in December. I feel if I apply for a new credit card now, there is a high chance of it getting rejected due to ths reason.

What would you suggest -

1. Apply for the new credit card now
2. Wait another month or two before applying

Thanks

 

[sidmal]

All the best and let’s know.. you will get it

Well that was quick. Went through the link you sent. Applied online. Got an error. Clicked retry. Application submitted. Video KYC completed. Now waiting for approval of the card. Thank you for your help.

 

[SSV]

Well that was quick. Went through the link you sent. Applied online. Got an error. Clicked retry. Application submitted. Video KYC completed. Now waiting for approval of the card. Thank you for your help.

You will get your virtual card within one hour and physical card on Monday or Tuesday..
Enjoy.. limit may be 1.5 L may be even more

 

[sidmal]

You will get your virtual card within one hour and physical card on Monday or Tuesday..
Enjoy.. limit may be 1.5 L may be even more

Got the virtual card. Fastest card approval till date.

 

[SSV]

Got the virtual card. Fastest card approval till date.

I already told you.. how much is the limit?
You will receive your physical card Monday if you reside in a Metro

 

[sidmal]

I already told you.. how much is the limit?
You will receive your physical card Monday of you reside in a Metro

It’s more than 2 L

 

[vivdwive]

Existing card holder can get second card ?

Yes u can get this as second card but only if 1st card was approved 6 months plus earlier

 

[Shubham Yadav]

I already told you.. how much is the limit?
You will receive your physical card Monday of you reside in a Metro

It’s more than 2 L

Somehow Kotak is well known to give high limit

Except exception

 

[Shubham Yadav]

Yes u can get this as second card but only if 1st card was approved 6 months plus earlier

After 6 month i can direct apply online or need to apply by other methods ?

 

[vivdwive]

After 6 month i can direct apply online or need to apply by other methods ?

I applied online only...

 

[Shubham Yadav]

I applied online only...

Any minimum floor limit required ? to apply second card ?

 

[SSV]

Any minimum floor limit required ? to apply second card ?

What is your current card ? Which one you want as the second card?

 

[Shubham Yadav]

What is your current card you want? Which one you want as the second card?

Any kotak core card not co branded

like above mention card you posted

 

[vivdwive]

If you apply now for Kotak league you would instantly get it ..

Thanks for reminding I have one more idle card which I need to use atleast once to keep it alive 😄

 

[SSV]

Any kotak core card not co branded

like above mention card you posted

So you currently have Kotak Myntra?

 

[sidmal]

I already told you.. how much is the limit?
You will receive your physical card Monday of you reside in a Metro

What an interesting 1 hour. Posted here thinking will apply after a couple of months but then thanks to you, applied for a card and application approved.

Since I’ve already thrown caution to the wind, let me ask you 1 more thing.

Got my Amex MRCC in the first week of November 23. When can I apply for an Amex Gold Card?

 

[SSV]

What an interesting 1 hour. Posted here thinking will apply after a couple of months but then thanks to you, applied for a card and application approved.

Since I’ve already thrown caution to the wind, let me ask you 1 more thing.

Got my Amex MRCC in the first week of November 23. When can I apply for an Amex Gold Card?

Now . .

You can use my referral if you want to 😉
But no chocolates !! for using my referral…

 

[varun__goel_]

What an interesting 1 hour. Posted here thinking will apply after a couple of months but then thanks to you, applied for a card and application approved.

Since I’ve already thrown caution to the wind, let me ask you 1 more thing.

Got my Amex MRCC in the first week of November 23. When can I apply for an Amex Gold Card?

Anytime 🤭 🤫

 

[Shubham Yadav]

So you currently have Kotak Myntra?

Another game ? What do you say ?

Play or play not ?

Tell

 

[varun__goel_]

Another game ? What do you say ?

Play or play not ?

Tell

Kotak iocl 🙂

 

[BasedSmegmaMale]

So you currently have Kotak Myntra?

Bro, is Kotak League offered as LTF?