Should I close Amazon Pay Later?

[GTSaketh]

Axis Mobil app..
Do you have any relationship with axis?

Nope. I only have account in kotak 811

 

[varun__goel_]

I wanted to get my first unsecured card as LTF. I can apply for Amazon pay in 90 days. Should I wait and apply for it or should I just I get this now. Also I have 2 enquiries recently. And my credit is only 2 months old. I don't know if I will get approved for axis card. Really Confused.

Are cards reflecting in cibil?

 

[SSV]

Nope. I only have account in kotak 811

Do you have CIBIL score ?
If so details pls

 

[GTSaketh]

Do you have CIBIL score ?
If so details pls

764 checked 4 days ago on Gpay.
I have Kotak FD card and Amazon bnpl.
Credit is only 2 months old

 

[SSV]

764 checked 4 days ago on Gpay.
I have Kotak FD card and Amazon bnpl.
Credit is only 2 months old

Then it depends on luck..
Apply thru Gpay amd or no income Docs asked fine otherwise you lose one cibil hit that's it.

 

[GTSaketh]

I wanted to get my first unsecured card as LTF. I can apply for Amazon pay in 90 days. Should I wait and apply for it or should I just I get this now. Also I have 2 enquiries recently. And my credit is only 2 months old. I don't know if I will get approved for axis card. Really Confused.

What about this?

 

[GTSaketh]

Then it depends on luck..
Apply thru Gpay amd or no income Docs asked fine otherwise you lose one cibil hit that's it.

Is it not worth waiting for Amazon ltf card? Because i heard first card should be always LTF. As closing it will affect credit history

 

[varun__goel_]

Is it not worth waiting for Amazon ltf card? Because i heard first card should be always LTF. As closing it will affect credit history

Amazon pay icici is generally issued with atleast 1yr cibil history

You need any axis card or specifically ace?

 

[SSV]

Is it not worth waiting for Amazon ltf card? Because i heard first card should be always LTF. As closing it will affect credit history

It depends upon when you get the 2nd card, if it is before 12 months of 1st card, no big deal

 

[GTSaketh]

Amazon pay icici is generally issued with atleast 1yr cibil history

You need any axis card or specifically ace?

Any unsecured card to be more precise without income proof. I heard a lot of people got this card without income proof. So that's why I was thinking about it. Also utility bill cashback covers for fees too.

 

[GTSaketh]

It depends upon when you get the 2nd card, if it is before 12 months of 1st card, no big deal

Makes sense. Thank You

 

[varun__goel_]

Any unsecured card to be more precise without income proof. I heard a lot of people got this card without income proof. So that's why I was thinking about it. Also utility bill cashback covers for fees too.

I cannot say anything about ace

But if you regularly shop on Flipkart, you can apply Flipkart CC. It has relatively higher rate of approval without docs

Once the card is approved, do not activate it. Call customer care and ask for Neo Rupay LTF upgrade. Once Neo is issued, activated and delivered, close Flipkart without activating it( You can activate if you want FK cc and can cover the fees with cashback)

 

[GTSaketh]

I cannot say anything about ace

But if you regularly shop on Flipkart, you can apply Flipkart CC. It has relatively higher rate of approval without docs

Once the card is approved, do not activate it. Call customer care and ask for Neo Rupay LTF upgrade. Once Neo is issued, activated and delivered, close Flipkart without activating it( You can activate if you want FK cc and can cover the fees with cashback)

Yeah, i exclusive shop on Flipkart a lot. But I only have pre qualified Offer

 

[varun__goel_]

Yeah, i exclusive shop on Flipkart a lot. But I only have pre qualified Offer

Go and try your luck

Should be an easy approval

 

[SSV]

I cannot say anything about ace

But if you regularly shop on Flipkart, you can apply Flipkart CC. It has relatively higher rate of approval without docs

Once the card is approved, do not activate it. Call customer care and ask for Neo Rupay LTF upgrade. Once Neo is issued, activated and delivered, close Flipkart without activating it( You can activate if you want FK cc and can cover the fees with cashback)

This is correct…
FK card is generally approved within a day or two , mostly with out any income docs…
I got my first Card like this only ..
Try for this unless you have pressing reason for ACE..
Apply from FK app …

Makes sense. Thank You

 

[GTSaketh]

Go and try your luck

Should be an easy approval

One last question. Is Neo better than ace? If yes how?

 

[SSV]

Yeah, i exclusive shop on Flipkart a lot. But I only have pre qualified Offer

Don’t worry about prequalified/ pre approved thing for FK…
Apply for it , 99 % you will get it approved in a day..

 

[varun__goel_]

FK card is generally approved within a day or two ,

My card was generated within a minute of application

 

[varun__goel_]

One last question. Is Neo better than ace? If yes how?

First of all rupay card, so lots and lots of rupay offers
LTF
Monthly Tomato offer twice

 

[SSV]

My card was generated within a minute of application

When ?
I got mine in September 2022