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 😄

 

[IKFLRT]

My first CC was HDFC Diners ClubMiles. Got it LTF against my employer tie-up with HDFC.

Club Miles (LTF) -> Millennia LTF -> Regalia Gold (Paid) -> Infinia Paid in 5 years.

 

[technoswan]

My first and only credit card is SBI cashback credit card. Are you -1 score so never applied for credit card anywhere using my SBI debit card since 2003-04 maybe, for everything online until UPA came. Last month got a call from home branch that you are pre approved for rupay credit card if you apply today so I went there after 5:00 PM they just made me log into my online SBI account. To my surprise I was pre approved for all the credit cards SBI have including SBI Card Elite Advantage Rs. 4,999. I make below ₹40k and most digital payment are on flipkart, amazon, mobile recharge and electricity. So naturally I zoomed in on two cards, Simply click and Casback. I would have to spend around ₹24000 year to recover my annual fees+tax on both of that. Anything below was loss and anything aove 24k was pure benefit. Simply click was upi ready but giving only 2.5%. SBI casback was giving 5% but cant use it on UPI. But heard lot about that SBI cashback have high rejection ratio, so went for it, If I cant benefit from it will just give it to family member to use. After entering the branch got virtual credit card in just 25 minutes. Got usual 'sarkari paperwork issue' as my name was incoreect, replaced my name on my fathers name etc, that got sorted in next week with customercare. Shows ₹177 unbilled cashback yet. Limit is super low though ₹24k. tried raise request but failed. Wanted another Rupay card for UPI and bill pay, Got approved for HDFC tata nue plus but didnt took it, i was interested in infinity for mobile recharge and bill pay. Will see new options in april-may maybe, Finger crossed.

 

[Rohith-2009]

My first and only credit card is SBI cashback credit card. Are you -1 score so never applied for credit card anywhere using my SBI debit card since 2003-04 maybe, for everything online until UPA came. Last month got a call from home branch that you are pre approved for rupay credit card if you apply today so I went there after 5:00 PM they just made me log into my online SBI account. To my surprise I was pre approved for all the credit cards SBI have including SBI Card Elite Advantage Rs. 4,999. I make below ₹40k and most digital payment are on flipkart, amazon, mobile recharge and electricity. So naturally I zoomed in on two cards, Simply click and Casback. I would have to spend around ₹24000 year to recover my annual fees+tax on both of that. Anything below was loss and anything aove 24k was pure benefit. Simply click was upi ready but giving only 2.5%. SBI casback was giving 5% but cant use it on UPI. But heard lot about that SBI cashback have high rejection ratio, so went for it, If I cant benefit from it will just give it to family member to use. After entering the branch got virtual credit card in just 25 minutes. Got usual 'sarkari paperwork issue' as my name was incoreect, replaced my name on my fathers name etc, that got sorted in next week with customercare. Shows ₹177 unbilled cashback yet. Limit is super low though ₹24k. tried raise request but failed. Wanted another Rupay card for UPI and bill pay, Got approved for HDFC tata nue plus but didnt took it, i was interested in infinity for mobile recharge and bill pay. Will see new options in april-may maybe, Finger crossed.

Simply click was upi ready and gave 2.5%?

Simply click is not available on Rupay and give only 1.25% reward rate only

 

[TheTrickySid]

My first and only credit card is SBI cashback credit card. Are you -1 score so never applied for credit card anywhere using my SBI debit card since 2003-04 maybe, for everything online until UPA came. Last month got a call from home branch that you are pre approved for rupay credit card if you apply today so I went there after 5:00 PM they just made me log into my online SBI account. To my surprise I was pre approved for all the credit cards SBI have including SBI Card Elite Advantage Rs. 4,999. I make below ₹40k and most digital payment are on flipkart, amazon, mobile recharge and electricity. So naturally I zoomed in on two cards, Simply click and Casback. I would have to spend around ₹24000 year to recover my annual fees+tax on both of that. Anything below was loss and anything aove 24k was pure benefit. Simply click was upi ready but giving only 2.5%. SBI casback was giving 5% but cant use it on UPI. But heard lot about that SBI cashback have high rejection ratio, so went for it, If I cant benefit from it will just give it to family member to use. After entering the branch got virtual credit card in just 25 minutes. Got usual 'sarkari paperwork issue' as my name was incoreect, replaced my name on my fathers name etc, that got sorted in next week with customercare. Shows ₹177 unbilled cashback yet. Limit is super low though ₹24k. tried raise request but failed. Wanted another Rupay card for UPI and bill pay, Got approved for HDFC tata nue plus but didnt took it, i was interested in infinity for mobile recharge and bill pay. Will see new options in april-may maybe, Finger crossed.

Where in net banking can we see pre approved offer?

 

[6ix9ine]

My first and only credit card is SBI cashback credit card. Are you -1 score so never applied for credit card anywhere using my SBI debit card since 2003-04 maybe, for everything online until UPA came. Last month got a call from home branch that you are pre approved for rupay credit card if you apply today so I went there after 5:00 PM they just made me log into my online SBI account. To my surprise I was pre approved for all the credit cards SBI have including SBI Card Elite Advantage Rs. 4,999. I make below ₹40k and most digital payment are on flipkart, amazon, mobile recharge and electricity. So naturally I zoomed in on two cards, Simply click and Casback. I would have to spend around ₹24000 year to recover my annual fees+tax on both of that. Anything below was loss and anything aove 24k was pure benefit. Simply click was upi ready but giving only 2.5%. SBI casback was giving 5% but cant use it on UPI. But heard lot about that SBI cashback have high rejection ratio, so went for it, If I cant benefit from it will just give it to family member to use. After entering the branch got virtual credit card in just 25 minutes. Got usual 'sarkari paperwork issue' as my name was incoreect, replaced my name on my fathers name etc, that got sorted in next week with customercare. Shows ₹177 unbilled cashback yet. Limit is super low though ₹24k. tried raise request but failed. Wanted another Rupay card for UPI and bill pay, Got approved for HDFC tata nue plus but didnt took it, i was interested in infinity for mobile recharge and bill pay. Will see new options in april-may maybe, Finger crossed.

Simplyclick is not available in rupay, it must be simplysave.

 

[Heyyy]

First one was ICICI Platinum with my ICICI salary account.

 

[Ram1]

My first card was secured sbi simplysave card
Then got preapproved hdfc card

 

[technoswan]

Simplyclick is not available in rupay, it must be simplysave.

May be it was new lounch or it was simplySave. I remember for certain two thing that it was commitment 499+gst. and it did give 2.5% on online spent.

Where in net banking can we see pre approved offer?

Log into online sbi account through computer. There will be pop up window on top of the page, if you are pre approved. They rushed me that this approval is for today only, that was a lie. I wasn't expecting any card but would have researched my option better if i was not rushed.