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

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Hello everyone,
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 experiences...

My experience:
My first credit card was the ICICI HPCL Coral, which I received in 2015. At that time, my home address was not within any bank's serviceable area, so they suggested I apply for a credit card against an FD. However, I wanted an unsecured credit card, so I approached my branch manager and explained my requirement.
He told me that they could issue an unsecured card, but I would need to purchase an ICICI Prudential ULIP policy worth a minimum of ₹2 lakhs.
At that point, I desperately needed a credit card because my business was in the USA, and I required one for payments. I was unemployed at the time, with a zero CIBIL score, and no bank was willing to offer me a credit card. So, I purchased a policy worth ₹2 lakhs and received my first-ever credit card – the ICICI HPCL Coral Credit Card (chargeable). Later, ICICI converted it into a lifetime free HPCL Coral Credit Card, and I’m still holding it to this day. 😄

 

[Lakshya Mahani]

Similarly i have a gf 3 years ago and now i have 3 gf now idk why

Typed just to complete 3 words condition.

 

[Astrella]

Axis neo, got it ltf with 25k limit. just for holding a account with them. i was around 19 at the time with no income.

 

[54R4NG]

As far I remember my first card was Citibank rewards. (2015)
My corporate RM pushed me to get my first cc while opening my salary account.
I kept the card till the axis - citi merger news.

 

[rahulsethi]

Citibank rewards applied with my salary bank account upon starting my career back in 2012.

 

[raghu.rokda]

Citibank rewards applied with my salary bank account upon starting my career back in 2012.

Sethi ji toh century maari aapne ki nahi

 

[rahulsethi]

Sethi ji toh century maari aapne ki nahi

52 for now

 

[praful47]

Similarly i have a gf 3 years ago and now i have 3 gf now idk why

How do you manage all of them ? Credit cards are much easier to manage

 

[Tejo]

My first Secured credit card, kotak 811.
Unsecured cc, axis flipkart card.

 

[Wealth is my birth right!]

How do you manage all of them ? Credit cards are much easier to manage

lol with cc usage easy to maintain gf

 

[350modena]

My first card was a Deutsche Bank CC (they sold their CC business to Indusind later) back in early 2010 right after I opened my salary acct with HDFC in mid 2009.

 

[unit vector]

First secured card was "one card" and unsecured was "Apay card".

 

[praful47]

kis kis ko pyar karu in real life

lol with cc usage easy to maintain gf

 

[raghu.rokda]

How do you manage all of them ? Credit cards are much easier to manage

Ye movie dekhi hai

 

[praful47]

Ye movie dekhi hai
View attachment 62860

par raghu bhai agar aapki biwi ko pataa chala to kya karoge aap ?

 

[raghu.rokda]

par raghu bhai agar aapki biwi ko pataa chala to kya karoge aap ?

 

[Ak Singh]

First Secured Card - ICICI platinum
First Unsecured Card - Apay without any kyc as I have icici bank account.

 

[Rohith-2009]

First unsecured cc - Hdfc moneyback plus
No secured cc

 

[cowcoconut]

same as above

 

[nakul16]

My first credit card was the most basic HDFC Credit Card in 2013. Wanted to buy the iPhone 5S and Amazon had a great credit card offer with no interest emi and I ended up getting a credit card.

I've never bought anything on EMI before this transaction or anytime after this. 🙂

 

[Rohith-2009]

My

My first credit card was the most basic HDFC Credit Card in 2023. Wanted to buy the iPhone 5S and Amazon had a great credit card offer with no interest emi and I ended up getting a credit card.

I've never bought anything on EMI before this transaction or anytime after this. 🙂

My first credit card is hdfc moneyback plus. I was using it from April 2022. I learnt about credit card benefits from that only