After 21 . Till then enjoy .
After 20 u will hdfc cc pre approved basis. Chances are bleak but hdfc ofen gives to majority.
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How to get unsecured credit card student 21
- Thread starter JaxRahul
- Start date
After 20 u will hdfc cc pre approved basis. Chances are bleak but hdfc ofen gives to majority.
Write your cibil profile in a post for suggestions in a brief
okay im 21 right now,
cibil is 730
experian is 746
had 9 inactive credits and 1 active, only 3 default payment that too of Rs. 50 not my fault, it was paytm postpaid faults but I had to suffer
closed my onecard 5 months back. Just have one cc right now, kotak secured with limit of 40k. Using it since november 2023. Have hdfc digi youth account(mab 5k) but I have put 60k in it. Have kotak 811 account with 45k fd for cc but no balance in savings. Indusind savings account with 10k mab and I have put 13k in it. And sbi with 0 mab.
Cibil is 730 - please don't apply any card untill u r 750+
3 default?? U mean late payment i m assuming. ( By how many days )
1 -2 is acceptable but 3 - okie not judging but be careful ( its completely fine just keep in mind never apply amex)
Coming to your profile - idk your area but if your home address is city then u r eligible for all major Bank as serviceable area if u r not . please start giving communication address as major City . where anyone of your family resides.
Induslnd won't give u card now ! Just keep zero balance & maintain minimum relationship. ( Apply offline c2c when u have cc with 1+ lakh limit)
Sbi 0 mab . Sbi & sbi cards have very little connection .( Try applying offline if during process they ask income doc ,just ignore the application & apply after 3+ month . should get without doc )
Kotak 45k - keep using don't overuse . Won't say about % utilisation ratio but use only in emergency .
Hdfc - maintain good amount from now on 25+ everytime 50-60 k is good amount if u can maintain till april . Expect pre approved offer then .
Hdfc is good in giving first cc . ( with low amount 😄 )
Icici - once u get hdfc & still have spare fund. U can do x amount fd & get cc
Then after 3-6 month u can apply for Icici apay & get it unsecured.
Bank sees money to lend money . Its show-off bussines 🥸.
Since you messed up cibil & payment keep low for sometime.
& If u have many bnpl start closing onces who shows as personal loan in cibil like paytm postpaid.
3 default payments by 90 days. I was using paytm postpaid but then I didnt wanted to so I deleted it, well apparently at the end of the month they charged me 56 rupees as convieneince charges, and I couldnt access my paytm postpaid as i deleted my paytm account. Deleting paytm account doesnt mean u deleted postpaid account too. I tried calling paytm customer customer service but yk how it is. I called them everyday for a month but eventually I gave up. After few months got a call from aditya birla finanace and i paid 56 convience fees with 100 late fees and 46 interest and fine tehy closed my paytm postpaid and gave me noc. Why u telling me not to apply amex? Will I never get amex? not even after 3 years? plus why u telling me to keep zero balance in indusind, my account mab is 10k.
Its hard to get amex after late payment.
Not impossible but very lien chance.
Well focus on short term now .. what happened later is thing for later
why u telling me to not keep balance in indusind
Bcz c2c offline is best chance with Indus . Unless u r pre approved which is lesser case .
Once u get one card move to other
will i never get amex, not even after 3-4 years?
Bro amex isn't that great that u will miss life .
As i said focus short term
honesty I dont want any cc except hdfc regalia gold/dcb rn, and ifinia later. but bro i got hdfc savings acc digi youth, I maintain 50k in it rn, how much should i maintain to get hdfc regalia offer?
varun__goel_
TF Legend
Maintain above 1L along with good spending via dc
This is true .
is 1 lakh enough for regalia? also I spend like 10-20k every month through dc. See the thing is I just bough an iphone, apple watch and ipad and I had to beg my cousin and uncle for their hdfc card to get the discount.
varun__goel_
TF Legend
1L mab is enough but 10-20k spends are not enough imo. With this you most probably will get millenia offer
how much should I spend via dc? is adding money to wallet counts as spends
True that .hdfc with iPhone discounts .
Maintain 1+ lakh . Once u start getting offer pre approved . Don't accept with low limit & lesser than Millennia cc
dont want millenia, want dcb or regalia gold for lounge access at least
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