How to get an Unsecured Credit Card for Newbie (Salaried - with NO credit score/history)

[Collector_sahab]

I know most of TF members are having some sort of credit history - from secured/unsecured credit cards, credit line or any other loan accounts. But one of my friend, who doesn't have a credit history/score wants to own a credit card, but an unsecured one. He is a salaried employee in a central govt (PSU) sector. Is there any hope for his wish. If anyone having knowledge or similar experience in this regard, please share.

 

[qkDre]

He should apply for a card from a bank in which he has a salary acc. Most entry level cards will be get approved on the basis of the salary acc.

 

[Venky]

He can also try getting an Add-on card from any of his friends or family and make timely payments. Then in 3-4 months he’ll have a Credit score and can apply for a better than what he’ll get right now.

 

[Collector_sahab]

He can also try getting an Add-on card from any of his friends or family and make timely payments. Then in 3-4 months he’ll have a Credit score and can apply for a better than what he’ll get right now.

He belongs from a farming family background, so no one in his family owns one either.

 

[akshayhs]

His job sector alone will be sufficient to get a credit card if you ask me. My cousin sister works in education sector at a reputed government college. She had no issues getting one from HDFC. She banks there and she didn't have a credit score prior to the application.

 

[NOOBY]

I know most of TF members are having some sort of credit history - from secured/unsecured credit cards, credit line or any other loan accounts. But one of my friend, who doesn't have a credit history/score wants to own a credit card, but an unsecured one. He is a salaried employee in a central govt (PSU) sector. Is there any hope for his wish. If anyone having knowledge or similar experience in this regard, please share.

ask him to visit branch where he/she has account opened...

Banks knows that job security is extremely high and so, they will happily give atleast entry level CC

or, he/she may wait for 2-3 months and then apply via salary slips.. but will get for sure

 

[BCh]

I know most of TF members are having some sort of credit history - from secured/unsecured credit cards, credit line or any other loan accounts. But one of my friend, who doesn't have a credit history/score wants to own a credit card, but an unsecured one. He is a salaried employee in a central govt (PSU) sector. Is there any hope for his wish. If anyone having knowledge or similar experience in this regard, please share.

I had almost same background last year. I got a call from SBI (where I've salary account) and got FYF Prime Pro Card. Also I applied and received ICICI Apay during the same time (held ICICI Savings A/c). After 3 months, I got IDFC card on preapproved basis for my 2 month old savings A/C. All of those cards were issued without any credit score.

 

[runzone]

He can also try getting an Add-on card from any of his friends or family and make timely payments. Then in 3-4 months he’ll have a Credit score and can apply for a better than what he’ll get right now.

any bank or some specific banks? because some banks do not report add on card to add on card holder cibil

 

[s1t2y3a3m6]

You can get any entry level card with your salary slip. You would get easily from any bank but recommend to try offline application for your first card with all documents.