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

[TechnoFinoTechnoFino is verified member.]

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. 😄

 

[akshayhs]

View attachment 332
Why would you not be able to check on Amazon?
Did you try checking here?

Yes, I did. It says You're currently not eligible. We are working on providing these features to you soon 😂

 

[prc1990]

View attachment 332
Why would you not be able to check on Amazon?
Did you try checking here?

Your featured offer looks very good to me. Wondering why it is still unutilized! 🥱🥱

 

[AllSeeker]

I didn't get you

He is talking about featured offers in your SS, like that of electricity bill payment. He is wondering why its not used yet, I think.

 

[prc1990]

He is talking about featured offers in your SS, like that of electricity bill payment. He is wondering why its not used yet, I think.

Spot on 🤣.

 

[prc1990]

Actually there's some story behind it too
Also because I didn't need to pay electricity bill yet

Chilla chilla ke scheme batao bhai 😌.

 

[akshayhs]

That's weird
Did you do KYC on Amazon, do you use Amazon Pay?

BTW you can also check on OneScore, paisabazar, HDFC, Paytm ...

Yes. I am a full KYC verified user. I also use Amazon pay regularly, in fact more than Google Pay.

Yeah, nowadays I just use OneScore/HDFC.

 

[Akashgod]

U can refresh credit score everyday in icici. No need of cibil subscription

 

[AllSeeker]

U can refresh credit score everyday in icici. No need of cibil subscription

Without having account and only with CC? In imobile or some other way? Any fees?

 

[prc1990]

U can refresh credit score everyday in icici. No need of cibil subscription

Please share direct link.

 

[ashwinkashwink is verified member.]

Please share direct link.

Please note One thing you should have a ICICI Bank account or credit card for this and refresh everyday is may be not permanent,
but it's working fine for me in this April month (Only on iMobile app)

 

[prc1990]

Please note One thing you should have a ICICI Bank account or credit card for this and refresh everyday is may be not permanent,
but it's working fine for me in this April month (Only on iMobile app)

Checked already, no option to check credit score. Only available to the one having savings/salary account.

 

[AllSeeker]

I feel its not that hard to get cards up to certain level, but after that you need to have that ITR requirement or it gets difficult. So, at least I would probably end up stopping in some mid-range area. For infinia like card I will need ITR or 11lacs FD. That's far too much. 🤣

 

[parmeet]

Please note One thing you should have a ICICI Bank account or credit card for this and refresh everyday is may be not permanent,
but it's working fine for me in this April month (Only on iMobile app)

Where can we find the option of checking credit score in imobile . I can't the option. Can you share the screenshot in the menu where the option is available.

 

[leo77g]

I only have 1 cc it is OneCard i got on 25th march xD pre approved metal 15k limit mind that i dont have income but i kept using OneScore app of theirs to check score for a long time and it gave me a notification saying i am pre approved for metal version with 15k limit i just clicked a took at that moment xD was very shocked and 2 days ago on 4th april i got kotak 811 message saying im pre approved for their league credit card i applied it only asked for address nothing else i hope i get it as well haha xD and i only have 811 0 balance acc of kotak not even any premium version lol 2022 is turning out to be great year

 

[dealsindia2018]

Hi All,

I am new to this community.

My first card was way back in 2008, HDFC Card, was just 21 at that time .
Had good banking relations with HDFC so was easy to acquire it.
HDFC had just started issuing cards in our area.
No other banks issued as it wasn't serviceable area.
Still many banks don't issue till date in our area.

Holding the first card currently as HDFC INFINIA, so its 14 years with HDFC.

 

[AllSeeker]

Hi All,

I am new to this community.

My first card was way back in 2008, HDFC Card, was just 21 at that time .
Had good banking relations with HDFC so was easy to acquire it.
HDFC had just started issuing cards in our area.
No other banks issued as it wasn't serviceable area.
Still many banks don't issue till date in our area.

Holding the first card currently as HDFC INFINIA, so its 14 years with HDFC.

Your first card was infinia? 😳

 

[dealsindia2018]

Your first card was infinia? 😳

No, the current status of my first HDFC Card is INFINIA, upgraded over time and enhanced limits over 14 years period.

 

[sampatir]

Seems most of folks younger. My first card was from hsbc in 2007 and took icici card in same month. Still I am not holding any of the super premium cards from the list for which the new vip lounge group is created here

 

[ash]

Got my first card in September'20. It was an HDFC Regalia with my Salary Account at 21yo. Currently thinking about trying to upgrade it to DCB or Infinia but cannot justify the annual fees.

 

[sampatir]

How did you apply for HSBC then?

started career in 2006 so based on salary