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Credit card for low cibil score (650)

  • Thread starter Thread starter shrirang
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shrirang

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I am looking for an easily available credit card for my parents.
There was a missed payment for 6 months 3 years back lowering CIBIL to 648 now.

Any suggestion on how to improve CIBIL record or some decent credit card that can be availed easily?

Hold Indus Grande account but Legend denied twice.
Recently added Axis Burgundy to portfolio.

Thank you in advance
 
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shrirang said:
I am looking for an easily available credit card for my parents.
There was a missed payment for 6 months 3 years back lowering CIBIL to 648 now.

Any suggestion on how to improve CIBIL record or some decent credit card that can be availed easily?

Hold Indus Grande account but Legend denied twice.
Recently added Axis Burgundy to portfolio.

Thank you in advance
Click to expand...
Get fd backed card & after activation sit tight.
If u have Burgundy! Get Axis cc via fd .
Wait for cibil to go 750+ .. then flood gates open for you to collect perls .
Till then enjoy without applying any cc & avoid opening pandora box of Cibil hit unnecessary.

Bcz no matter what u do with 650 u aren't getting anything other than rejection
 
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shrirang said:
I am looking for an easily available credit card for my parents.
There was a missed payment for 6 months 3 years back lowering CIBIL to 648 now.

Any suggestion on how to improve CIBIL record or some decent credit card that can be availed easily?

Hold Indus Grande account but Legend denied twice.
Recently added Axis Burgundy to portfolio.

Thank you in advance
Click to expand...
How for 648 score ?
 
DocFixIt said:
Come with more innovative answers
Click to expand...
Now I am feeling rejected and my sarcasm score dropped. That was a genuine post and later realized those are bank accounts.
Sad Cartoon GIF
 
shrirang said:
I am looking for an easily available credit card for my parents.
There was a missed payment for 6 months 3 years back lowering CIBIL to 648 now.

Any suggestion on how to improve CIBIL record or some decent credit card that can be availed easily?

Hold Indus Grande account but Legend denied twice.
Recently added Axis Burgundy to portfolio.

Thank you in advance
Click to expand...
If your delayed payments go past 3 years old, then your score will recover drastically..
Please check your latest cibil and share the ss of delayed payments. We will advise
 
shrirang said:
I am looking for an easily available credit card for my parents.
There was a missed payment for 6 months 3 years back lowering CIBIL to 648 now.

Any suggestion on how to improve CIBIL record or some decent credit card that can be availed easily?

Hold Indus Grande account but Legend denied twice.
Recently added Axis Burgundy to portfolio.

Thank you in advance
Click to expand...
Get a FD based CC and use it for a year.. make timely payment. Once cibil goes above 720 then apply for entry level credit cards
 
DocFixIt said:
Get fd backed card & after activation sit tight.
If u have Burgundy! Get Axis cc via fd .
Wait for cibil to go 750+ .. then flood gates open for you to collect perls .
Till then enjoy without applying any cc & avoid opening pandora box of Cibil hit unnecessary.

Bcz no matter what u do with 650 u aren't getting anything other than rejection
Click to expand...
This is something that I have in mind. But it blocks FD so looking for better options (if any)
Will go for fd backed card at the end.

Any other credit line to boost CIBIL?
 
S S V said:
If your delayed payments go past 3 years old, then your score will recover drastically..
Please check your latest cibil and share the ss of delayed payments. We will advise
Click to expand...
Checked CIBIL last month after legend card was rejected. I was under the impression that Grande should fetch legend easily.
 
shrirang said:
This is something that I have in mind. But it blocks FD so looking for better options (if any)
Will go for fd backed card at the end.

Any other credit line to boost CIBIL?
Click to expand...
See
If u take 1 lakh fd card from axis or icici

When ur Cibil improve ..u will get limit similar to 1 lakh ...

If u take bnpl somehow which is unlikely .
U will get low limit. Card in start ..

Fd card is best way
 
shrirang said:
Checked CIBIL last month after legend card was rejected. I was under the impression that Grande should fetch legend easily.
Click to expand...
Post the cibil report here / in dm hiding sensitive data
Then we can advise better, your understanding may differ to other knowledgeable members.
If you want privacy you can dm me
I can help you in my free time
 
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