I am self-employed. My ITR for last year was ₹5 lakhs, and I have not yet filed for this year. I had applied for an APay card in Feb this year but was rejected with the following reason:
"Based on the information provided by you and as per the criteria mentioned below, we are unable to offer you the Credit Card.
Rejected due to insufficient/adverse of credit history being less than required policy norms
We value you as our customer. The above mentioned criteria does not necessarily imply your adverse creditworthiness. You may apply again for an Amazon Pay ICICI Bank Credit Card after six months."
I received offers for Airtel axis card as well, and it too was rejected.
Basically my credit score was NA at the time.
To build a credit score, I got a loan from Bank of Maharashtra in May. I have been paying the installments on time, and my credit score is now 739 (checked through Experian WhatsApp).
Active Bank accounts: SBI 1 year old, BoM 6 months old.
My main transactions are UPI, utilities, international transactions (domains, hosting, API, SaaS, etc - all in USD/EUR).
Since I now have a credit score, I would like to get a good credit card. I would've applied for some cards but I didn't want my credit score to get a hit.
Which card would be my best bet for easy approval and the best rewards considering my transaction types?
Thanks in advance!
"Based on the information provided by you and as per the criteria mentioned below, we are unable to offer you the Credit Card.
Rejected due to insufficient/adverse of credit history being less than required policy norms
We value you as our customer. The above mentioned criteria does not necessarily imply your adverse creditworthiness. You may apply again for an Amazon Pay ICICI Bank Credit Card after six months."
I received offers for Airtel axis card as well, and it too was rejected.
Basically my credit score was NA at the time.
To build a credit score, I got a loan from Bank of Maharashtra in May. I have been paying the installments on time, and my credit score is now 739 (checked through Experian WhatsApp).
Active Bank accounts: SBI 1 year old, BoM 6 months old.
My main transactions are UPI, utilities, international transactions (domains, hosting, API, SaaS, etc - all in USD/EUR).
Since I now have a credit score, I would like to get a good credit card. I would've applied for some cards but I didn't want my credit score to get a hit.
Which card would be my best bet for easy approval and the best rewards considering my transaction types?
Thanks in advance!
