Beginner Mistake done during axis credit card journey

[rahul_cc]

Hello Technofino Community , I know you all will surely judge me with my age being only 18 years and 4 months old , But here is my query , please help me coming out of this.

I am only 18 years and 4 months old ( turned 18 in Feb 2025 ), took a FD based credit on the same month of me being 18 years . Now , During June mid , I opened Axis easy access savings account to get my first unsecured credit card as pre-approved from axis Bank , filled employment details as Salaried in my Father's proprietorship company , all documents are genuine and I genuinely work part time to help my father in digital invoicing and online paperwork but don't have any employment proof other than Salary credit in my Bank account from my Father's current account in company's name through NEFT and EPF credit . I will also start to file ITR from next Financial year to make this more relevant . One mistake I have done is I have yesterday randomly exploring axis Bank mobile app and I have seen there the axis neo card banner , I have applied for it in flow and got instant rejection , Now I am worried that even I will get any pre approved offer from axis in near future or not ? . What to do now and Suggest me what should I do more or what should I avoid from now , have I done any mistake or more mistakes ? . I have good financial discipline as I am using my Father's credit card from last 5 years smoothly and boosted his credit score to 820 due to it . Kindly help me or give your expert opinion in this matter

 

[rajsd]

Hello Technofino Community , I know you all will surely judge me with my age being only 18 years and 4 months old , But here is my query , please help me coming out of this.

I am only 18 years and 4 months old ( turned 18 in Feb 2025 ), took a FD based credit on the same month of me being 18 years . Now , During June mid , I opened Axis easy access savings account to get my first unsecured credit card as pre-approved from axis Bank , filled employment details as Salaried in my Father's proprietorship company , all documents are genuine and I genuinely work part time to help my father in digital invoicing and online paperwork but don't have any employment proof other than Salary credit in my Bank account from my Father's current account in company's name through NEFT and EPF credit . I will also start to file ITR from next Financial year to make this more relevant . One mistake I have done is I have yesterday randomly exploring axis Bank mobile app and I have seen there the axis neo card banner , I have applied for it in flow and got instant rejection , Now I am worried that even I will get any pre approved offer from axis in near future or not ? . What to do now and Suggest me what should I do more or what should I avoid from now , have I done any mistake or more mistakes ? . I have good financial discipline as I am using my Father's credit card from last 5 years smoothly and boosted his credit score to 820 due to it . Kindly help me or give your expert opinion in this matter

Yes you did a mistake but don't worry about it. I'll need some more months for getting pre-approved offers.

Don't apply for any cards till you don't get pre-approved offer from bank.
Do frequent transactions from the ac, bill payments and online shopping etc etc.
Maintain good amount of money in the ac so that limit can be more.

If you have fd backed cc from axis itself then it will be hard for getting unsecured cc. In this case I'll suggest you to shift your account to HDFC OR ICICI Bank.

 

[rahul_cc]

I don't have Secured card from Axis Bank , It's Super.Money card from Utkarsh Small Finance Bank and it's the only one card I have . But please suggest about my employment status , am I doing anything wrong legally . And I got instantly rejected from axis bank , will I still get pre approved card from axis bank . I am maintaining about 1 lakhs in the account

 

[rajsd]

I don't have Secured card from Axis Bank , It's Super.Money card from Utkarsh Small Finance Bank and it's the only one card I have . But please suggest about my employment status , am I doing anything wrong legally . And I got instantly rejected from axis bank , will I still get pre approved card from axis bank . I am maintaining about 1 lakhs in the account

Then there will be no problem.
Just wait for 6-9 months you'll get offer from bank, it may take more in your case as you have applied and that got rejected but rest assure you'll get the offer for sure. Just follow the tips which I have given.

*****Only try after waiting 12 months, at your own risk****
After waiting if they're not giving pre-approved offer try applying again for the neo card they may approve it by your banking relationship but this method will not be preferred.

If still rejected----- Change your bank

 

[SSV]

Hello Technofino Community , I know you all will surely judge me with my age being only 18 years and 4 months old , But here is my query , please help me coming out of this.

I am only 18 years and 4 months old ( turned 18 in Feb 2025 ), took a FD based credit on the same month of me being 18 years . Now , During June mid , I opened Axis easy access savings account to get my first unsecured credit card as pre-approved from axis Bank , filled employment details as Salaried in my Father's proprietorship company , all documents are genuine and I genuinely work part time to help my father in digital invoicing and online paperwork but don't have any employment proof other than Salary credit in my Bank account from my Father's current account in company's name through NEFT and EPF credit . I will also start to file ITR from next Financial year to make this more relevant . One mistake I have done is I have yesterday randomly exploring axis Bank mobile app and I have seen there the axis neo card banner , I have applied for it in flow and got instant rejection , Now I am worried that even I will get any pre approved offer from axis in near future or not ? . What to do now and Suggest me what should I do more or what should I avoid from now , have I done any mistake or more mistakes ? . I have good financial discipline as I am using my Father's credit card from last 5 years smoothly and boosted his credit score to 820 due to it . Kindly help me or give your expert opinion in this matter

Don't worry.. you didn't do anything wrong legally or technically or logically etc..
Just stop applying for cc as of now..
Change your account to liberty account if feasible for you..
Do you have cibil score yet ?

 

[imdjay]

What do you see when you go to credit cards -apply section?