Your First Credit Card Story - How did you get your first credit card?

[TechnoFinoTechnoFino is verified member.]

Hello every,
The first credit card is special for everyone. We all remember the experience of getting our first card
Let's share our first credit card experience...
My experience-
My first credit card was ICICI HPCL Coral, which I received in 2015. My home address at that time did not fall within any bank's serviceable area, so they asked me to apply for credit card against FD. But I needed an unsecured credit card, so I talked to my branch manager and I told him I needed an unsecured card.
He told me that... we can give you an unsecured card but for that you have to purchase an ICICI Prudential Ulip policy of Rs. 2 lakhs (minimum).
At that time I desperately needed a credit card because my business was in USA and I needed a credit card for its payment. I was unemployed that time with zero CIBIL score, No bank was offering me a credit card so I had purchased a policy of two lakh rupees at that time and got my first ever credit card ICICI HPCL coral credit card (chargeable), later icici converted that card to a lifetime free hpcl coral credit card and I'm still holding that one

 

[Saif77]

Why was BOB not LTF ?

Why was BOB not LTF ?

Applied C2C. I applied during the month of april mid. No LTF offer during that time.

 

[SamPtnk]

Got when I was in college against FD of 10K
ICICI plat

 

[ashwinkashwink is verified member.]

Got when I was in college against FD of 10K
ICICI plat

Now?

 

[SamPtnk]

Now?

Have all cards from all major banks

 

[babuni16]

My first credit card is ICICI Platinum with a 20k limit. it took 2 years to increase CL to 55k, then after 2lkh, hardly using this card. Currently having 7cards. In earlier days I was thinking a rich person can have a credit card. It's totally wrong, Only craving people have credit cards like us.

 

[vip3rc5]

My story starts in 2018 back when I was in second year of my college, I got this Red Carpet card which is a Consumer Loan (didn't knew much about it), but it helped me build my cibil score. So I applied my first CC that was ICICI Amazon Pay Card after a year I started my job (in 2021). Initially got 80K limit in March 2021.
Now the limit on Amazon Pay Card is 4.9 Lakh
I also hold the following cards now ->
1. Kotak League Platinum (Limit 3.92 Lakh Got PreApproved in August 2021, Initial Limit was 85K)
2. One Card (80K Limit Pre Approved)
3. Flipkart Axis (73K Limit, applied for it)
4. HDFC Diners Privilege Card (Had the option for Millinea but went with this card, Limit 2.38 Lakh, got it in August 2022)

That's my journey, All Cards are unsecured

 

[Rahul92]

My story starts in 2018 back when I was in second year of my college, I got this Red Carpet card which is a Consumer Loan (didn't knew much about it), but it helped me build my cibil score. So I applied my first CC that was ICICI Amazon Pay Card after a year I started my job (in 2021). Initially got 80K limit in March 2021.
Now the limit on Amazon Pay Card is 4.9 Lakh
I also hold the following cards now ->
1. Kotak League Platinum (Limit 3.92 Lakh Got PreApproved in August 2021, Initial Limit was 85K)
2. One Card (80K Limit Pre Approved)
3. Flipkart Axis (73K Limit, applied for it)
4. HDFC Diners Privilege Card (Had the option for Millinea but went with this card, Limit 2.38 Lakh, got it in August 2022)

That's my journey, All Cards are unsecured

How and when did kotak increased your limit ?
How often you use kotak card ?
Any account in kotak ? If yes , how much balance did you maintain to get the offer ?

 

[vip3rc5]

How and when did kotak increased your limit ?
How often you use kotak card ?
Any account in kotak ? If yes , how much balance did you maintain to get the offer ?

My Kotak Card limit has been increased twice since I got my card in August 2021, first to 1.9 Lakhs then recently to 3.92 Lakhs.
Yes I do have a Kotak Account it was initially a zero balance 811 account which I converted to EDGE account with MAB of 10k. The card is LTF and I used my kotak account for daily spends when it was an 811 account so I was spending about 3 to 4k a month.
I do use my kotak credit card. I purchased a phone through it since I was getting flat 8 thousand off, Though I immediately pay back any amount I use from my Credit Card

 

[Rahul92]

My Kotak Card limit has been increased twice since I got my card in August 2021, first to 1.9 Lakhs then recently to 3.92 Lakhs.
Yes I do have a Kotak Account it was initially a zero balance 811 account which I converted to EDGE account with MAB of 10k. The card is LTF and I used my kotak account for daily spends when it was an 811 account so I was spending about 3 to 4k a month.
I do use my kotak credit card. I purchased a phone through it since I was getting flat 8 thousand off, Though I immediately pay back any amount I use from my Credit Card

I too got a LTF league on my Kotak 811 in nov.2021
Limit was 28k , and still the same.

I don't use my account and card .
So i guess I'll have to start using them now and then to get the limit enhancement.

 

[M S E]

My First Credit Card was SBI Gold Credit Card against FD in 2013. I was profound of being a credit card holder at that time. Rest is History.

 

[Gkcards]

I think mine was silver card/Amex Green ....now starting itself is platinum for people

 

[DS111]

I got my first credit card from HDFC Bank around 2011 or 2012 as a pre-approved gold card without any hassle for my banking relationship with it. Later it got upgraded from time to time with enhanced credit limit and today it is with me in the form of INFINIA METAL Card with 15L limit.
After that, I took a lot of cards because I like different cards for different offers and I got most of the bank cards over time. Till now I have 15 cards after closing some cards. I have got the maximum number of cards available in my city as till now some banks are not available in my city.

 

[ashwinsid]

Was working at an R&D centre of a global conglomerate. Daily multiple bank reps would come and sit at security gate asking want card? want card?

Gave documents to Citibank. They sent a letter saying I am not eligible.
Gave document to HDFC. They issued a Gold card or something, with 20,000 credit limit. This is in 2008. That was the only card I held till 2019 when I got ICICI Amazon Pay just for the amazon offers.

Never asked for credit limit enhancement or upgrades. All done voluntarily by HDFC till Regalia with 9.68 lakhs.
Never had to get in touch with them for anything. Everything was working properly.

Now after they upgraded me to DCB, I have emailed them back and forth probably 20 times for Infinia and they declined.

Thus ended my almost 15 year association with HDFC!

 

[Rahul92]

Was working at an R&D centre of a global conglomerate. Daily multiple bank reps would come and sit at security gate asking want card? want card?

Gave documents to Citibank. They sent a letter saying I am not eligible.
Gave document to HDFC. They issued a Gold card or something, with 20,000 credit limit. This is in 2008. That was the only card I held till 2019 when I got ICICI Amazon Pay just for the amazon offers.

Never asked for credit limit enhancement or upgrades. All done voluntarily by HDFC till Regalia with 9.68 lakhs.
Never had to get in touch with them for anything. Everything was working properly.

Now after they upgraded me to DCB, I have emailed them back and forth probably 20 times for Infinia and they declined.

Thus ended my almost 15 year association with HDFC!

You closed regalia ?

 

[ashwinsid]

You closed regalia ?

Regalia was upgraded to DCB and once I am able to generate DCB Pin, regalia will be closed /certain date, whichever earlier.

 

[bumblebee]

HDFC Infinia Metal. Got it around 2 weeks ago. I wasn't sure if I was eligible for it, since I don't meet the criteria mentioned here but talked to my RM and as per them I was Eligible. so I immediately applied for it through the link they sent and it was in my hand within a week. I was shocked with the packaging though, it was pretty neat.

 

[Rahul92]

HDFC Infinia Metal. Got it around 2 weeks ago. I wasn't sure if I was eligible for it, since I don't meet the criteria mentioned here but talked to my RM and as per them I was Eligible. so I immediately applied for it through the link they sent and it was in my hand within a week. I was shocked with the packaging though, it was pretty neat.

Which hdfc card did you had ? Its limit ? How much did you spent on it ?

 

[bumblebee]

Which hdfc card did you had ? Its limit ? How much did you spent on it ?

I had no Credit card prior to this. It's my first one.

 

[CMGCMG is verified member.]

HDFC Infinia Metal. Got it around 2 weeks ago. I wasn't sure if I was eligible for it, since I don't meet the criteria mentioned here but talked to my RM and as per them I was Eligible. so I immediately applied for it through the link they sent and it was in my hand within a week. I was shocked with the packaging though, it was pretty neat.

Which account do you have? What is your salary pm?

 

[thespy11]

I can refer if you want.

tell me how to get unsecured one card