Waiting since eternity for first credit card 😔.

[D₹V]

Hey folks, I have been using Pay Laters since almost 2 years, FK & LazyPay. I want to close these loans. I applied for Flipkart Axis in January, 2022, after offline KYC it was rejected. Again applied after some day & again rejected. So I wished to wait 6 month before applying anything. Again out of curiosity I applied for Airtel Axis in June, again declined instantly. After that I didn't apply for anything. My CIBIL Score is stuck on 733 from last 4 month because these BNPLs don't update to bureaus regularly. Now FreeCharge is spamming me everywhere since September on WA, SMS, Push Notification etc for FreeCharge CC. Also 6 month passed from my last application. FYI my age is below 21. Should I apply this credit card or wait for a great opportunity as someone told me that Banks approves much application is Jan, Feb & March to reach targets? Should I apply? also created TF account today but I've been reading forum from outside 🤭.

Thanks in advance 😊.

 

[krish80]

Hi,
I think the best way to get your first card is via PSU bank. Create a FD and you can get a credit card using that FD. I did the same for my SBI card. If you are looking for a ltf then you can do the same with PNB / UNION Bank.

 

[D₹V]

Hi,
I think the best way to get your first card is via PSU bank. Create a FD and you can get a credit card using that FD. I did the same for my SBI card. If you are looking for a ltf then you can do the same with PNB / UNION Bank.

No I don't want a secured credit card bro 😐. If I wanted that, I could have opened OneCard with FD and made good rewards out of it but I didn't. Also recently opened account in HDFC to get pre approved offer but should I give FreeCharge Axis a chance or wait?

 

[anirban.choudhuryanirban.choudhury is verified member.]

Hey folks, I have been using Pay Laters since almost 2 years, FK & LazyPay. I want to close these loans. I applied for Flipkart Axis in January, 2022, after offline KYC it was rejected. Again applied after some day & again rejected. So I wished to wait 6 month before applying anything. Again out of curiosity I applied for Airtel Axis in June, again declined instantly. After that I didn't apply for anything. My CIBIL Score is stuck on 733 from last 4 month because these BNPLs don't update to bureaus regularly. Now FreeCharge is spamming me everywhere since September on WA, SMS, Push Notification etc for FreeCharge CC. Also 6 month passed from my last application. FYI my age is below 21. Should I apply this credit card or wait for a great opportunity as someone told me that Banks approves much application is Jan, Feb & March to reach targets? Should I apply? also created TF account today but I've been reading forum from outside 🤭.

Thanks in advance 😊.

You can try Sbi , they often give cc on low Cibil as well.
Mine was approved when my Cibil was 720 something 6 years back

 

[krish80]

No I don't want a secured credit card bro 😐. If I wanted that, I could have opened OneCard with FD and made good rewards out of it but I didn't. Also recently opened account in HDFC to get pre approved offer but should I give FreeCharge Axis a chance or wait?

I think you should wait for a hdfc card instead of a co-branded card.

 

[EINSTEIN]

You can try Sbi , they often give cc on low Cibil as well.
Mine was approved when my Cibil was 720 something 6 years back

They don’t give cc to anyone below the age of 21.

 

[Jack007]

They don’t give cc to anyone below the age of 21.

They rejected my card even when I was 22 stating that I did not meet their age criteria .

 

[deep@vie]

No I don't want a secured credit card bro 😐. If I wanted that, I could have opened OneCard with FD and made good rewards out of it but I didn't. Also recently opened account in HDFC to get pre approved offer but should I give FreeCharge Axis a chance or wait?

wait for onecard to offer unsecured card.

 

[Ad.Astra]

Hey folks, I have been using Pay Laters since almost 2 years, FK & LazyPay. I want to close these loans. I applied for Flipkart Axis in January, 2022, after offline KYC it was rejected. Again applied after some day & again rejected. So I wished to wait 6 month before applying anything. Again out of curiosity I applied for Airtel Axis in June, again declined instantly. After that I didn't apply for anything. My CIBIL Score is stuck on 733 from last 4 month because these BNPLs don't update to bureaus regularly. Now FreeCharge is spamming me everywhere since September on WA, SMS, Push Notification etc for FreeCharge CC. Also 6 month passed from my last application. FYI my age is below 21. Should I apply this credit card or wait for a great opportunity as someone told me that Banks approves much application is Jan, Feb & March to reach targets? Should I apply? also created TF account today but I've been reading forum from outside 🤭.

Thanks in advance 😊.

Are you salaried / have regular source of income ? If no, then tough luck.

If yes, then try approaching credit card agents of your bank in your home branch or any other branch, there is relatively higher chance of approval with them.

As far as I know, if you maintain good enough balance and regularly deposit money in account, HDFC Bank gives preapproved offers for credit card.

 

[TheTrickySid]

No I don't want a secured credit card bro 😐. If I wanted that, I could have opened OneCard with FD and made good rewards out of it but I didn't. Also recently opened account in HDFC to get pre approved offer but should I give FreeCharge Axis a chance or wait?

You will have to take a secured cc to take up you score above 750.
Getting pre approved offer on having CIBIL below 750 is what I've never seen.
Also you have to put some efforts from your side.
You can use the secured cc to get unsecured cc via C2C method.

Instead of using those BNPLs for 2 yr, 6 months of secured cc would have helped a lot.

There's no harm in getting secured cc, I myself have got a secured cc this month inspite of have 6 unsecured cc from last 1yr

 

[TheTrickySid]

Hey folks, I have been using Pay Laters since almost 2 years, FK & LazyPay. I want to close these loans. I applied for Flipkart Axis in January, 2022, after offline KYC it was rejected. Again applied after some day & again rejected. So I wished to wait 6 month before applying anything. Again out of curiosity I applied for Airtel Axis in June, again declined instantly. After that I didn't apply for anything. My CIBIL Score is stuck on 733 from last 4 month because these BNPLs don't update to bureaus regularly. Now FreeCharge is spamming me everywhere since September on WA, SMS, Push Notification etc for FreeCharge CC. Also 6 month passed from my last application. FYI my age is below 21. Should I apply this credit card or wait for a great opportunity as someone told me that Banks approves much application is Jan, Feb & March to reach targets? Should I apply? also created TF account today but I've been reading forum from outside 🤭.

Thanks in advance 😊.

FYI axis doesn't have a cooldown period until the application is approved.
I a application is approved you need to wait for 3/6 months for new application.

 

[TheTrickySid]

Hey folks, I have been using Pay Laters since almost 2 years, FK & LazyPay. I want to close these loans. I applied for Flipkart Axis in January, 2022, after offline KYC it was rejected. Again applied after some day & again rejected. So I wished to wait 6 month before applying anything. Again out of curiosity I applied for Airtel Axis in June, again declined instantly. After that I didn't apply for anything. My CIBIL Score is stuck on 733 from last 4 month because these BNPLs don't update to bureaus regularly. Now FreeCharge is spamming me everywhere since September on WA, SMS, Push Notification etc for FreeCharge CC. Also 6 month passed from my last application. FYI my age is below 21. Should I apply this credit card or wait for a great opportunity as someone told me that Banks approves much application is Jan, Feb & March to reach targets? Should I apply? also created TF account today but I've been reading forum from outside 🤭.

Thanks in advance 😊.

Tip.
Always apply for the lowest card variant in order to have highest approval rate.

Also prefer offline mode over online for application.

 

[D₹V]

wait for onecard to offer unsecured card.

Probably they won't, because of the location.

 

[deep@vie]

Probably they won't, because of the location.

they offer based on CIBIL only.once you get the offer,you can get it delivered to anyone's address.

 

[D₹V]

Tip.
Always apply for the lowest card variant in order to have highest approval rate.

Also prefer offline mode over online for application.

Yes, I already knew that there is no cooldown period in Axis if declined. So as per your tips, which one should I apply if I have to choose from Axis credit cards ? AFAIK Axis & HDFC is only the banks approves CCs for age below 21 year.

For now the options I have:
1. Wait for pre approval offer since I'm HDFC bank account holder
2. Try Axis credit card's application as luck

I have ITR too but that didn't work in Jan too 🥺.

 

[akshayhs]

No I don't want a secured credit card bro 😐. If I wanted that, I could have opened OneCard with FD and made good rewards out of it but I didn't. Also recently opened account in HDFC to get pre approved offer but should I give FreeCharge Axis a chance or wait?

OneCard and good rewards don't go hand in hand.

 

[TheTrickySid]

Yes, I already knew that there is no cooldown period in Axis if declined. So as per your tips, which one should I apply if I have to choose from Axis credit cards ? AFAIK Axis & HDFC is only the banks approves CCs for age below 21 year.

For now the options I have:
1. Wait for pre approval offer since I'm HDFC bank account holder
2. Try Axis credit card's application as luck

I have ITR too but that didn't work in Jan too 🥺.

You will have to take a secured cc to take up you score above 750.
Getting pre approved offer on having CIBIL below 750 is what I've never seen.

 

[TheTrickySid]

Yes, I already knew that there is no cooldown period in Axis if declined. So as per your tips, which one should I apply if I have to choose from Axis credit cards ? AFAIK Axis & HDFC is only the banks approves CCs for age below 21 year.

For now the options I have:
1. Wait for pre approval offer since I'm HDFC bank account holder
2. Try Axis credit card's application as luck

I have ITR too but that didn't work in Jan too 🥺.

Basic Axis cards are
Neo and Myzone

 

[Chaitanya-a]

Yes, I already knew that there is no cooldown period in Axis if declined. So as per your tips, which one should I apply if I have to choose from Axis credit cards ? AFAIK Axis & HDFC is only the banks approves CCs for age below 21 year.

For now the options I have:
1. Wait for pre approval offer since I'm HDFC bank account holder
2. Try Axis credit card's application as luck

I have ITR too but that didn't work in Jan too 🥺.

You can get first credit card only via 2 methods:
1) Offline application through your known person in the bank.
2) Taking Secured card so that your credit score gets generated or move above 722 level.

Use it for 6 months and then when your credit score goes above 760, then you can apply online for unsecured cards and you'll have higher chances of approval as well.​

 

[D₹V]

You will have to take a secured cc to take up you score above 750.
Getting pre approved offer on having CIBIL below 750 is what I've never seen.

But HDFC offers ig. BTW, should I close these loan accounts right now ro keep it going on until I get a credit card?

You can get first credit card only via 2 methods:
1) Offline application through your known person in the bank.
2) Taking Secured card so that your credit score gets generated or move above 722 level.

Use it for 6 months and then when your credit score goes above 760, then you can apply online for unsecured cards and you'll have higher chances of approval as well.​

So should I meet BM of nearest Axis Bank? They might help ig.

Also HDFC would also offer pre approved offer, as I'm savings account holder.

And one thing, when I applied FK Axis in Jan, on call she asked that if CIBIL is above 730 we'll send the agent for KYC. So 730+ is ok for Axis I think.