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.

 

[AllSeeker]

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.

You can't convert secured one card to unsecured one. You will have to close this one and apply for fresh one after a while. I don't think onecard is offering unsecured card that easily anymore either so chance of you getting it will be slim.

 

[hriday.haria]

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

Only way is by sending an email to help@getonecard.app

If you send an email with your registered e-mail ID, as soon as you send a mail, a ticket number gets generated and it shows up in your OneCard App.

Note: Too much delay in replies and pathetic customer service

 

[mgforce]

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

I had reached them once via phone too 1860-266-1111

But best it to get email response so that it is available on record if needed

 

[KumarS]

If someone is starting it, and not need unsecured card, would suggest ICICI platinum or SBI secured card. They are banks and better offers.
1 card and other fintech should be last option

 

[Sajid]

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.

Unfortunately they still dont convert the card to unsecured.

Also , once closing the one card will makes you not further apply for one card “unsecured”.

Rather than closing i would suggest using for an year and demanding them to provide unsecured card.

They told me this in the call : Sir after one year the system automatically gives an offer for the unsecured. Honestly i dont trust them, but after 1 year lets see what they gonna do.

 

[alanabraham]

Initially they said use for 6 months, then they will provide Unsecured. Can't really trust them.

 

[Batmanbaba]

Initially they said use for 6 months, then they will provide Unsecured. Can't really trust them.

Mine 6 month is over. Will try once to contact... I have done good transactions... Lets see.... I haven't cane6 across anyone who has been upgraded from secured to unsecured card.

 

[alanabraham]

Mine 6 month is over. Will try once to contact... I have done good transactions... Lets see.... I haven't cane6 across anyone who has been upgraded from secured to unsecured card.

Do update here the outcome.

 

[Manu624]

Unfortunately they still dont convert the card to unsecured.

Also , once closing the one card will makes you not further apply for one card “unsecured”.

Rather than closing i would suggest using for an year and demanding them to provide unsecured card.

They told me this in the call : Sir after one year the system automatically gives an offer for the unsecured. Honestly i dont trust them, but after 1 year lets see what they gonna do.

Even I have backed and they told me also the same. I will wait for 1 year that's November and see what will happen

 

[Batmanbaba]

Even I have backed and they told me also the same. I will wait for 1 year that's November and see what will happen

Nothing will happen.. Once u have one card.... Either fd one or unsecured thats it.... Journey ends... No chance of upgrade from fd to unsecured.... I closed my card in may.... This thing was confirmed by their customer care head... To whom I escalated my issue....

 

[Manu624]

Nothing will happen.. Once u have one card.... Either fd one or unsecured thats it.... Journey ends... No chance of upgrade from fd to unsecured.... I closed my card in may.... This thing was confirmed by their customer care head... To whom I escalated my issue....

Then I will close it . I. Future if I'm allowed i will take it again

 

[Batmanbaba]

Then I will close it . I. Future if I'm allowed i will take it again

Once u close one card..... U cant get it again... Any variant... Just for info...

 

[Manu624]

Once u close one card..... U cant get it again... Any variant... Just for info...

I know that....one card told me maybe in future they will allow people again and that's already in there list. This will come in a year.

 

[AllSeeker]

One card is not that attractive proposition anymore, so unless this is the only card you have, I don't see point of hassle in having it.

 

[ashwink]

One card is not that attractive proposition anymore, so unless this is the only card you have, I don't see point of hassle in having it.

Yeah right.

 

[Ad.Astra]

One card is not that attractive proposition anymore, so unless this is the only card you have, I don't see point of hassle in having it.

Indeed. No need to fret about it if you have other cards.

 

[dhiraz]

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.....

Today One of My Relative Got OneCard Pre-Approved By Bob Financial

If he will use the card for 3 4 Months.
Will it helps to get Bob Unsecured CC?

 

[Batmanbaba]

Today One of My Relative Got OneCard Pre-Approved By Bob Financial

If he will use the card for 3 4 Months.
Will it helps to get Bob Unsecured CC?

Cant say for sure..... When idfc disassociated themselves with one card... Those having idfc one card were offered idfc cards pre approved by idfc customer care..... Maybe in future... But bob is it self giving cards so easily... You can easily get premier currently... Just apply... Give any credit card statement... They are approving easily... You dont need a rope for bob cards

 

[dhiraz]

Why i can't use OneCard as Rent Payment on Paytm?

I do a rent payment transaction but it fot declined and received this message.

Sorry, we declined your txn of Rs.33681.40 at PAYTM RENTAL as it was out of ordinary. Your card is still active for other transactions -Team OneCard

 

[Ad.Astra]

Why i can't use OneCard as Rent Payment on Paytm?

I do a rent payment transaction but it fot declined and received this message.

Sorry, we declined your txn of Rs.33681.40 at PAYTM RENTAL as it was out of ordinary. Your card is still active for other transactions -Team OneCard

From what I have personally experienced, OneCard doesn't allow Cash/fund transfer type of transactions when you have used a large portion of your credit limit, instead they give some vague reason (such as the one you mentioned) for declining the transaction.