Closing those accounts might decrease your score even more.
BM won't entertain you unless you have a high NRV with them.
Also don't try to get axis as your first card, axis is very unpredictable, they even reject cards for 780+ CIBIL.
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Waiting since eternity for first credit card š.
- Thread starter Dā¹V
- Start date
Also don't try to get axis as your first card, axis is very unpredictable, they even reject cards for 780+ CIBIL.
HDFC rarely offers anything these days. I'm stuck with their useless Moneyback card since past 3 years even when I'm holding their Preferred account. So don't keep much hope from them.
Coming to credit score thing from Axis, they said they'll send for Kyc, but Axis is the first to reject whenever it comes to CC application (applied online). So not much hope from here as well.
Now what I think you should do is (as you said) you have good relationship with Axis BM, you can contact him for application. Only thing I worry about is 21+ age criteria.
Or you can (should) take the route of secured card for first 6 months.
Dā¹V
TF Pioneer
Yup, Axis is unpredictable š. So HDFC & a secured one is only the option.
If I have to get a secured card, which one it should be?
IDFC First WOW is easiest to get.
Dā¹V
TF Pioneer
Yes, HDFC takes eternity to give an upgrade offer. Also I don't have relationship with B.M. š but I might try. I know they'll try to open savings account with them, but I won't.
As conclusion, it is all luck based until one have good ITR/Salary Slips.
Take SBI/ Indusind.
These 2 doesn't report secured cc as secured to CIBIL.
Other report as secured cc.
You can get Complementary Axis privilege CC with Priority Account.
Dā¹V
TF Pioneer
Nice one, thanks for your time š» & Chaitanya too.
akshayhs
TF Legend
Oh I didn't know that. I assumed LIT was actually a secured card. Thank you for correcting me.
I am planning to take secured cc from Canara bank. Do you have any idea how Canara bank report secured cc to cibil?
It'll report as secured
@Dā¹V addition to this
Axis prestige account give complementary Myzone cc after 6 months
Actually i read in this community that if you have secured card of a bank then it is difficult to get unsecured card of that bank. If this is not true then please can you tell some banks who report secured cc as normal cc to cibil.
IndusInd
Bhai Indusind don't report secured cc as secured cc to cibil? And also tell about that getting unsecured cc after secured is difficult? That part is true or not?
It takes some extra time for the same bank to give unsecured card. In the meantime, you can apply for other banks card and improve your credit score so that this bamk won't hesitate to give you unsecured card.
Yes. And even HDFC didnāt report in my case.
Not true according to my experience with icici.
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Dā¹V
TF Pioneer
No service, only one branch in Bihar šš.
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