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

 

[SSV]

Another game ? What do you say ?

Play or play not ?

Tell

No .. I only know Myntra and league cards.. 😉

 

[SSV]

Another game ? What do you say ?

Play or play not ?

Tell

Anyway tell me your existing card details:
Name, age , limit , CIBIL score then I can tell when you can apply for league..

 

[SSV]

Bro, is Kotak League offered as LTF?

Yes . .

 

[sidmal]

Now . .

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

Will surely use your referral link.

Had called Amex and they said apply after 6 months. But I remember reading here in the forums that some folks got the Amex trifecta all in a month. That’s why I asked you.

Share your referral link. Will apply in a day or 2.

 

[sidmal]

which credit cards do you have

I have - HDFC Moneyback (in the process of being upgraded to Regalia Gold), HDFC Tata Neucard, Amex MRCC, Amazon ICICI and IDFC Select.

 

[SSV]

Had called Amex and they said apply after 6 months

This is crap.. you can apply for any other product than the rejected one , immediately..
For the rejected one it is 90 days…

 

[sidmal]

Which cards you currently have? Maybe if Rupay variant of your current card already exists, you can convert from existing network without additional cibil hit.

Have a complex issue with my Neucard. Already had it converted twice.

 

[SSV]

Will surely use your referral link.

Had called Amex and they said apply after 6 months. But I remember reading here in the forums that some folks got the Amex trifecta all in a month. That’s why I asked you.

Share your referral link. Will apply in a day or 2.

Here is my referral:

https://americanexpress.com/en-in/referral/sREEsWcAV?XLINK=MYCP

Thanks for using it and ask me any doubt about anything, if I know I will share my knowledge..
This applies to anyone, whether they use my referral or not..

 

[SSV]

Will surely use your referral link.

Had called Amex and they said apply after 6 months. But I remember reading here in the forums that some folks got the Amex trifecta all in a month. That’s why I asked you.

Share your referral link. Will apply in a day or 2.

Since you are in a good mood, you can apply for Gold card right now.. believe me you will get it.. as I said this no of enquiries.. don’t worry about them..

 

[SSV]

Will surely use your referral link.

Had called Amex and they said apply after 6 months. But I remember reading here in the forums that some folks got the Amex trifecta all in a month. That’s why I asked you.

Share your referral link. Will apply in a day or 2.

1) Have you supplied your income docs when you applied for MRCC?
2) CL on MRCC
3) Income Range and occupation type and industry
4) city/ town you live in..

If you can provide these , I can tell you chances of getting GOLD..
You can DM me these details if you want..

 

[sidmal]

1) Have you supplied your income docs when you applied for MRCC?
2) CL on MRCC
3) Income Range and occupation type and industry
4) city/ town you live in..

If you can provide these , I can tell you chances of getting GOLD..
You can DM me these details if you want..

Newbie here so can’t DM.

They didn’t ask for any income documents. Limit is more than 4 L.

 

[Shubham Yadav]

Newbie here so can’t DM.

They didn’t ask for any income documents. Limit is more than 4 L.

You can DM

You are TF select

 

[SSV]

1) Have you supplied your income docs when you applied for MRCC?
2) CL on MRCC
3) Income Range and occupation type and industry
4) city/ town you live in..

If you can provide these , I can tell you chances of getting GOLD..
You can DM me these de

Newbie here so can’t DM.

They didn’t ask for any income documents. Limit is more than 4 L.

I started DM please reply there

 

[SSV]

You can DM

You are TF select

Probably he is not aware of how to start a DM

 

[DaDarkkNight]

Through my amex referral link, you would be receiving chocolates tho (amazon voucher).
@sidmal if interested dm me

 

[Superxan]

You can apply now for your Kotak league card and can thank me later..
This no of enquiries is over rated..
You already have history of 4 years..

Best wishes

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www.kotak.com

I'm planning to get Kotak Indian Oil Rupay card, will there be any issue getting a first card from Kotak which is co-branded, will it affect my chances to get core card later?

 

[SSV]

I'm planning to get Kotak Indian Oil Rupay card, will there be any issue getting a first card from Kotak which is co-branded, will it affect my chances to get core card later?

To be honest. I really don’t know.. I got my league just a couple of months back for instant bank offers…

In my view, Kotak is not HDFC and you should not face any trouble by getting iocl first and then a core Kotak card..

 

[Superxan]

To be honest. I really don’t know.. I got my league just a couple of months back for instant bank offers…

In my view, Kotak is not HDFC and you should not face any trouble by getting iocl first and then a core Kotak card..

Thank you 🙏
I hope no other bank is like HDFC ever....😅

 

[SSV]

hope no other bank is like HDFC ever

Unfortunately, This is what exactly what HDFC wants us feel like about them !!

 

[sidmal]

Time to get the Amex Platinum Travel card?