Close Onecard FD and get Onecard Unsecured Credit Card

[9v8k9v8k]

I have applied Onecard credit card on june 21 as at that time i did not have any credit card i got it for FD but as of now i have HDFC unsecured credit card for more then 6 months with 25k limit and cibil score above 750 and experian score above 800 i think i now i can get onecard on basis of it so now i want to close my fd but want to continue the card what is the way to do it.

 

[vaibhav111]

check their t&c in your onecard app plus what the income on itr , i will suggest keep fd, you have long way to go in term of getting unsecured card cause 25k means the bank didn't find any positive or negative and hence gave lower limit

 

[vaibhav111]

It's hard to get unsecured OneCard in general. It's not offered to everyone.

yeah the limit offered is even lower after they shifted to federal then bob & south some bank

 

[hriday.haria]

yeah the limit offered is even lower after they shifted to federal then bob & south some bank

Did you migrate from IDFC to another banking partner ?
If yes, can you let me know if your limit was increased, decreased or kept the same ?

 

[vaibhav111]

Did you migrate from IDFC to another banking partner ?
If yes, can you let me know if your limit was increased, decreased or kept the same ?

no bro i haven't applied for onecard yet

 

[Batmanbaba]

Do they upgrade to unsecured card from fd card....?? ON BASIS of usage or cibil...??

 

[AllSeeker]

Do they upgrade to unsecured card from fd card....?? ON BASIS of usage or cibil...??

No.

 

[SachuHopes]

Do they upgrade to unsecured card from fd card....?? ON BASIS of usage or cibil...??

Never, it is all business

 

[Batmanbaba]

More than business, I find their policies plain weird. As in no such fixed criteria for unsecured OneCard CC.

Then mostly i will close it... As I have now got a unsecured card.. As onecard.. Is not accepted anywhere for c2c.... And do transactions on unsecured card.... So that I get limit increase on that....

 

[AllSeeker]

If your one card is with IDFC, I recently heard that its been accepted as okay for IDFC c2c applications. Low limit might be other concern though.

 

[Batmanbaba]

If your one card is with IDFC, I recently heard that its been accepted as okay for IDFC c2c applications. Low limit might be other concern though.

All fd one's are of sbm bank..... Unsecured ones are of bank of baroda, idfc, federal bank and south Indian bank......now idfc is no longer partner..... So one card is giving upgrade to other partners.....

 

[AllSeeker]

All fd one's are of sbm bank..... Unsecured ones are of bank of baroda, idfc, federal bank and south Indian bank......now idfc is no longer partner..... So one card is giving upgrade to other partners.....

I see, then you can close it but if it was your only CC and you have been using it for a while, keep in mind that it will affect your CIBIL, as closing it means closing its payment history too.

 

[Batmanbaba]

All fd one's are of sbm bank..... Unsecured ones are if bank of baroda, idfc, federal bank and south Indian bank......now idfc is no longer partner..... So one card is giving upgrade to other partners.....

I see, then you can close it but if it was your only CC and you have been using it for a while, keep in mind that it will affect your CIBIL, as closing it means closing its payment history too.

No I have now bob card... Yes... One two month...it will effect.... Then again it will bounce back.... I have never defaulted on cc payment...

 

[AllSeeker]

Okay, then close it as soon as possible.

 

[mgforce]

Did you migrate from IDFC to another banking partner ?
If yes, can you let me know if your limit was increased, decreased or kept the same ?

I was migrated (or as they call it upgraded) from IDFC to BOB.

Card limit was not increased at time of upgrade

 

[hriday.haria]

That is great !
I wish i get the upgrade soon !

 

[mgforce]

That is great !
I wish i get the upgrade soon !

You will get it soon. They are doing in batches

I saw screenshot on twitter of one user, who was complaining about failed KYC. The screenshot said, upgrade and get LE for sure....

 

[fatehbajwa]

How do you guys contact OneCard?
Do they have customer care email or phone numbers?

 

[alanabraham]

How do you guys contact OneCard?
Do they have customer care email or phone numbers?

Twitter is the best platform. Via email it will take ages to get a reply. Phone Exists only on paper.

 

[AllSeeker]

Twitter is the best platform. Via email it will take ages to get a reply. Phone Exists only on paper.

Completely agree.