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How to get one card?
- Thread starter Bob78900
- Start date
Download one score app
Check your credit score there
If your score I good it will directly give you an pre approved offer in the app itself
I did in the same way.
I got the offer as soon as I installed the app and got the metal card within 7days😁
akshayhs
TF Legend
Nobody is able to.
Plus people with a good score and existing credit cards with good credit limits are still being asked to open an FD with them to get a card 🤣
Guys I have been fortunate enough to get both OneCard Metal & RBL Zomato without any much hassle.
Looking at all your questions, I'm giving you some criteria, let's see if anybody full fill all of these but still doesn't get the unsecured OneCard metal
1. From Tier One City(Kolkata, Mumbai, Delhi, Chennai,Banglore)
2. Credit history of at least for 5 years
3. Haven't been a defaulter for a single time ever
4. Having at least one credit card which is at least 2 years old with 5 Lakh Credit Limit.
I also want to know something from you all:-
My OneCard metal has been issued without much hassle but I'm surprised to see that their is no such entry/enquiry in Cibil in the name of FPL Technologies.
Looking at all your questions, I'm giving you some criteria, let's see if anybody full fill all of these but still doesn't get the unsecured OneCard metal
1. From Tier One City(Kolkata, Mumbai, Delhi, Chennai,Banglore)
2. Credit history of at least for 5 years
3. Haven't been a defaulter for a single time ever
4. Having at least one credit card which is at least 2 years old with 5 Lakh Credit Limit.
I also want to know something from you all:-
My OneCard metal has been issued without much hassle but I'm surprised to see that their is no such entry/enquiry in Cibil in the name of FPL Technologies.
Likely agree but in that case also the card is not shown up anywhere in the available credit/loan accounts in the Cibil.
Since my Lending bank is BoB & during the Eterna application already BoB made an enquiry in my Cibil so could it be the reason why another enquiry was not made?? Any idea, anybody? I'm not sure.
Federal Bank
I guess my card was issued just before the partner bank changed to Bob
I received my card almost a week ago
20k as my highest limit card is 50k😅
See,
If you get approved for an unsecured card the you will get the metal card for sure whatever the limit you get doesn't matter, you'll get metal card for sure
If you get one card on fd basis and only if you create a fd of 50k or more then only you get a metal card else you get plastic card.
I have IDFC partner bank, card shows up as IDFC card in credit scores as well as CRED app.
There is no real criteria, at the time when it was IDFC, it was only about CIBIL score and I had to be from one of the cities they had listed. I even had to apply while being in that city itself as app had autodetected addresses for some reason. I had a bit of trouble there as I was traveling, so I waited till I entered Mumbai before finishing the application.
I do not have long credit history, though I did have education loan, its not considered good enough thing I think. They are looking for personal/consumer durable/credit/housing or vehicular loan history.
I did not have any unsecured card before OneCard
I did not have good limit on it either.
I did have however spotless repayment history, still do and I was one of the early applyers for OneCard. Its already been more than a year since I hold it, I had been using onescore for at least couple of months before I got the offer too.
There is no real criteria, at the time when it was IDFC, it was only about CIBIL score and I had to be from one of the cities they had listed. I even had to apply while being in that city itself as app had autodetected addresses for some reason. I had a bit of trouble there as I was traveling, so I waited till I entered Mumbai before finishing the application.
I do not have long credit history, though I did have education loan, its not considered good enough thing I think. They are looking for personal/consumer durable/credit/housing or vehicular loan history.
I did not have any unsecured card before OneCard
I did not have good limit on it either.
I did have however spotless repayment history, still do and I was one of the early applyers for OneCard. Its already been more than a year since I hold it, I had been using onescore for at least couple of months before I got the offer too.
