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 😄

 

[akshayhs]

tell me how to get unsecured one card 🙏

If it is specific to OneCard, then they don't have any fixed criteria

 

[thespy11]

If it is specific to OneCard, then they don't have any fixed criteria

oh , actually I got my 1st credit card of Apay ICICI , thinking of getting 2nd one but confused which one should I apply (50k) limit , credit score is 763

 

[anonymuos]

I got my first unsecured credit card in Dec 2021/Jan 2022 - SBI SimplyCLICK. They offered me SimplySAVE but I said I only want a CC if you can give me SimplyCLICK so they gave that. I did not know anything about credit cards but had used Amazon Pay Later to use some discounts on shopping. Later I came to know it was a BNPL loan but that started building my credit score. I had good relationship with SBI, having savings account with good balance, FDs, mutual funds, family accounts so one fine day, person from branch called and said SimplySAVE was pre-approved. I refused and said I don't use credit cards besides SimplySAVE doesn't seem that rewarding, he somehow convinced me to come to the branch just one to listen, so I went and applied for SimplyCLICK.

2nd was Amazon Pay ICICI which I almost simultaneously applied and was instantly approved as well in Jan itself., then unsecured OneCard in April and then there was quite a large gap of 6 months until I got my 4th one, but in around 18 months (Jan 2022 to June 2023), I got 15 credit cards. Still, I am self-employed so not eligible for foreign banks cards like HSBC and StanC since they have ridiculous ITR requirements for self-employed.🙁

 

[Saif77]

Hey Everyone.

I am 21 right now. I got my first credit card this year in april 2022. Before that i had no card. My cibil got generated last year in June 2021. I used some BNPL. I m a student and a stock trader. Will file my ITR in 2023 for the first time. I got all my cards without any income proof.

1. HDFC MoneyBack Card - 15k Limit ( April 2022) UNCONDITIONAL LTF

2. ICICI Coral Visa Card - 40k Limit. (June 2022) UNCONDITIONAL LTF

3.BOB Easy Card - 20K Limit. (July 2022) Not LTF.

ICICI and HDFC cards were pre-approved/qualified.

Currently My Cibil is around 763.

Got rejected for Axis Card. So not applying anymore. Will wait for a pre-approved offer from them.

HDFC LIMIT UPDATE - 75k now

 

[StarLord⚡]

By the end of December 2021, I can get HDFC Money Back Credit Card from HDFC Bank through an agent with a limit of 18,000.Then I was told that after spending 50000k within 3 months the card will become LTF. 50000 spending within 90 days then I called the customer care and confirmed that my card has been LTF. I didn't have any IT file at that time. My CIBIL score was 743. I never dreamed I would get a credit card.
Now I have 4 credit cards:-
1. HDFC Money Back Credit Card (LTF)
2. ICICI Coral Credit Card (LTF)
3. ICICI Amazon Pay Credit Card (LTF)
4. SBI Simply Click Credit Card (Not LTF).
🙂🙂🙂🙂🙂🙂🙂🙂

 

[federer.reddevil]

My first card was SBI SimplyClick in 2016 I just opened my Salary account that day in SBI and applied for DC. Then I asked about CC didnt know about all variants then. They said they will apply for CC and I got a SimplyClick CC with 18K limit. Now I have
SBI SimplyClick
RBL SuperCard
RBL Zomato Classic(LTF)
IndusInd Legend
Yes Finbooster(LTF)
Kotak League(LTF)
ICICI MMT
ICICI Amazon Pay(LTF)
Axis Flipkart(LTF)
Axis IndianOil(LTF)
OneCard BoB(LTF)
BoB Easy

Anybody know how I can get HDFC CC by c2c with the help of my ICICI MMT which has 5.1L limit?

 

[Rahul Gupta]

My first card was SBI SimplyClick in 2016 I just opened my Salary account that day in SBI and applied for DC. Then I asked about CC didnt know about all variants then. They said they will apply for CC and I got a SimplyClick CC with 18K limit. Now I have
SBI SimplyClick
RBL SuperCard
RBL Zomato Classic(LTF)
IndusInd Legend
Yes Finbooster(LTF)
Kotak League(LTF)
ICICI MMT
ICICI Amazon Pay(LTF)
Axis Flipkart(LTF)
Axis IndianOil(LTF)
OneCard BoB(LTF)
BoB Easy

Anybody know how I can get HDFC CC by c2c with the help of my ICICI MMT which has 5.1L limit?

apply via branch and go for ragalia, they will give you LTF ragalia if you apply card to card.

 

[SunnyM]

My first card was SBI SimplyClick in 2016 I just opened my Salary account that day in SBI and applied for DC. Then I asked about CC didnt know about all variants then. They said they will apply for CC and I got a SimplyClick CC with 18K limit. Now I have
SBI SimplyClick
RBL SuperCard
RBL Zomato Classic(LTF)
IndusInd Legend
Yes Finbooster(LTF)
Kotak League(LTF)
ICICI MMT
ICICI Amazon Pay(LTF)
Axis Flipkart(LTF)
Axis IndianOil(LTF)
OneCard BoB(LTF)
BoB Easy

Anybody know how I can get HDFC CC by c2c with the help of my ICICI MMT which has 5.1L limit?

I didn't know you could get two credit cards from RBL bank ? Are these cards both in your name ?

 

[federer.reddevil]

I didn't know you could get two credit cards from RBL bank ? Are these cards both in your name ?

Yes both are in my name you can apply 1 RBL card and 1 RBL supercard in your name. I am mainly using the Supercard for Bms offer which is really good

 

[federer.reddevil]

apply via branch and go for ragalia, they will give you LTF ragalia if you apply card to card.

Thanks will visit branch and apply for the same any documents that I have to carry?

 

[rp0703]

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 😄

The first card I got was Amazon Pay two years ago. Now have the following Cards.
LTF Cards
ICICI Amazon Pay
Kotak League Premium
RBL Shoprite
RBL Duet
RBL Bajaj Finance (Closed)
AU LIT
Axis MyZone
IndusInd Legend
One Card Secured (Closed)

Paid Cards
SBI Simply Click (499 + GST)
SBI BPCL (499 + GST)
ICICI Expressions Card (499 + GST)
Yes Bank Prosperity Plus (399 + GST)
Axis Flipkart (499 + GST)

 

[gurbina]

Started Jan 2022, had no credit history. All credit scores would report either no data or values like 200-300 which isn't an actual score and meant there's not sufficient credit history.

Got all my credit card applications rejected but somehow Axis did offer me one, the Vistara Infinite with 70k limit which was a bit ridiculous granted they charge 10k annual fee.
6 months down the road I decided to apply for Magnus and it got approved with a 3L limit.
They're all unsecured credit cards, had no previous relationship with Axis Bank and to my knowledge all Axis customers got the offer for credit limit enhanced around the same time I applied for my Magnus card.

 

[Rahul Gupta]

Thanks will visit branch and apply for the same any documents that I have to carry?

aadhar,pan,existing credit card and statement copy of that card.

 

[federer.reddevil]

aadhar,pan,existing credit card and statement copy of that card.

Thank you so much

 

[SunnyM]

The first card I got was Amazon Pay two years ago. Now have the following Cards.
LTF Cards
ICICI Amazon Pay
Kotak League Premium
RBL Shoprite
RBL Duet
RBL Bajaj Finance (Closed)
AU LIT
Axis MyZone
IndusInd Legend
One Card Secured (Closed)

Paid Cards
SBI Simply Click (499 + GST)
SBI BPCL (499 + GST)
ICICI Expressions Card (499 + GST)
Yes Bank Prosperity Plus (399 + GST)
Axis Flipkart (499 + GST)

How were you able to get two RBL credit cards ? I thought they only gave one .

 

[rp0703]

How were you able to get two RBL credit cards ? I thought they only gave one .

Actually i had three cards. But then i closed RBL Bajaj card because it was only FYF.

May be because 2 out of 3 three are co- branded cards. One with Bajaj Finance and one with Paisabazaar.

 

[AsB]

HDFC LIMIT UPDATE - 75k now

Did you ask for LE or, were you given that by default?

 

[AsB]

I have Kotak ace account. 50,000 minium balance and I didn't find any pre approved till now. I javeonly pre approved emi and personal loan

How long do you hold account with them?

 

[Saif77]

Did you ask for LE or, were you given that by default?

default

 

[Saif77]

Hey Everyone.

I am 21 right now. I got my first credit card this year in april 2022. Before that i had no card. My cibil got generated last year in June 2021. I used some BNPL. I m a student and a stock trader. Will file my ITR in 2023 for the first time. I got all my cards without any income proof.

1. HDFC MoneyBack Card - 15k Limit ( April 2022) UNCONDITIONAL LTF

2. ICICI Coral Visa Card - 40k Limit. (June 2022) UNCONDITIONAL LTF

3.BOB Easy Card - 20K Limit. (July 2022) Not LTF.

ICICI and HDFC cards were pre-approved/qualified.

Currently My Cibil is around 763.

Got rejected for Axis Card. So not applying anymore. Will wait for a pre-approved offer from them.

Update.

1. HDFC LIMIT - 75k now

2. BOB - CONVERTED LTF

3. AXIS IOCL CARD - LTF. Limit - 30000