No bank is giving credit card

[rdargar]

DELETED

 

[SiddharthR]

Get secured CC from Axis & then apply C2C for other cards

Don't apply for too much Axis CC, as there is a cooling period of 6 months for Axis

 

[Copycat]

I started applying for Credit Card from past month and was confident that I will get one easily ITR -25L+ and 2 loans in the past.

But unfortunately no bank is agreeing to give me a credit card because my CIBIL is NH (Loans were paid of 5 yrs back)

I have Axis bank account from 15Yrs but they also don't have any pre-approved offers for me.
I also have a SBI Bank Account , but they do not service my pin code Online.

What are your guys view how should I avail a credit card to start the journey?

I have close to 10 Hard Enquiries in CIBIL in last month (7 from Axis due to multiple attempts).
I do not want to invest too much in FD and already have a FD with Axis bank for 50K.

What are your suggestion specially something that can be achived without visiting branch.

As I mentioned in a previous thread of yours, get the Amazon Pay ICICI card. It is an excellent starter card, the rewards are good and it is easily obtainable. In fact, after the recent devaluations of many cards, APay is one of the few cards with which you will still get decent cashback

 

[Rahul Gupta]

I started applying for Credit Card from past month and was confident that I will get one easily ITR -25L+ and 2 loans in the past.

But unfortunately no bank is agreeing to give me a credit card because my CIBIL is NH (Loans were paid of 5 yrs back)

I have Axis bank account from 15Yrs but they also don't have any pre-approved offers for me.
I also have a SBI Bank Account , but they do not service my pin code Online.

What are your guys view how should I avail a credit card to start the journey?

I have close to 10 Hard Enquiries in CIBIL in last month (7 from Axis due to multiple attempts).
I do not want to invest too much in FD and already have a FD with Axis bank for 50K.

What are your suggestion specially something that can be achived without visiting branch.

First of all mail axis to remove those extra inquiries and don't tell them you tried multiple times.

2nd sbi is the most cc serviceable bank. who told you they are not serviceable in your area?

Now for the cc part. Open a new savings account in icici bank and maintain 4x MAB and do heavy transactions for 4 months.

You will 100% get a pre-approved cc offer from icici.

btw don't open hdfc account for first cc, otherwise you will regret it later.

 

[ltf4ever]

I started applying for Credit Card from past month and was confident that I will get one easily ITR -25L+ and 2 loans in the past.

But unfortunately no bank is agreeing to give me a credit card because my CIBIL is NH (Loans were paid of 5 yrs back)

I have Axis bank account from 15Yrs but they also don't have any pre-approved offers for me.
I also have a SBI Bank Account , but they do not service my pin code Online.

What are your guys view how should I avail a credit card to start the journey?

I have close to 10 Hard Enquiries in CIBIL in last month (7 from Axis due to multiple attempts).
I do not want to invest too much in FD and already have a FD with Axis bank for 50K.

What are your suggestion specially something that can be achived without visiting branch.

you can try onecard and paisabazaar step up card.

 

[SiddharthR]

ye banda mujhe toh kabhi yad hi nhi rakhta.😑

@Wealth is my birth right! @Chaitanya-a
@Rahul Gupta

Dikhta nahi kya!?🤭😅

 

[Wealth is my birth right!]

First of all mail axis to remove those extra inquiries and don't tell them you tried multiple times.

2nd sbi is the most cc serviceable bank. who told you they are not serviceable in your area?

Now for the cc part. Open a new savings account in icici bank and maintain 4x MAB and do heavy transactions for 4 months.

You will 100% get a pre-approved cc offer from icici.

btw don't open hdfc account for first cc, otherwise you will regret it later.

Yes icici 10k account with 3 months usage sure trigger a cc

 

[rdargar]

First of all mail axis to remove those extra inquiries and don't tell them you tried multiple times.

2nd sbi is the most cc serviceable bank. who told you they are not serviceable in your area?

Now for the cc part. Open a new savings account in icici bank and maintain 4x MAB and do heavy transactions for 4 months.

You will 100% get a pre-approved cc offer from icici.

btw don't open hdfc account for first cc, otherwise you will regret it later.

SBI bank is there but when I apply for card on the sprint platform it says pincode not servicable

 

[SiddharthR]

I don't actually do any expenditure via my savings account at all , its only FD interest in and savings accounts interest.
I keep all my money in my Current Account , and in future also I don't think I will use my Savings Acc for anything.
All household trsnx are done using my Aunt's A/c.(The person who is applying is my uncle(chacha))

Toh fir chacha ki umar hogyi hongi isliye nahi mil raha🤣

My heartfelt apologies to chaha😐

 

[Rahul Gupta]

Toh fir chacha ki umar hogyi hongi isliye nahi mil raha🤣

lol

Anyone know about current transfer limits of amazon? Amazon pay to bank limits.

 

[SiddharthR]

Anyone know about current transfer limits of amazon? Amazon pay to bank limits.

Unlimited or ₹1L

 

[Rahul Gupta]

Unlimited or ₹1L

Are you sure?

 

[jack333]

Loading is unlimited. Transfer to bank is 1 lakh per month

 

[Rahul Gupta]

People with indusind savings account DM me. I have some free trick for you.

Loading is unlimited. Transfer to bank is 1 lakh per month

P2P + merchant?
both 1 lakh or individual 1 lakh?

 

[Chaitanya-a]

P2P + merchant?
both 1 lakh or individual 1 lakh?

Both inclusive

 

[Rahul Gupta]

Both inclusive

Customer care said 20k lol

 

[drakesri]

SBI bank is there but when I apply for card on the sprint platform it says pincode not servicable

I think for SBI cashback card the pin code service issue is there try other cards.

 

[rdargar]

I think for SBI cashback card the pin code service issue is there try other cards.

It showing for Vistara card also

As I mentioned in a previous thread of yours, get the Amazon Pay ICICI card. It is an excellent starter card, the rewards are good and it is easily obtainable. In fact, after the recent devaluations of many cards, APay is one of the few cards with which you will still get decent cashback

Rejected for the Az card

First of all mail axis to remove those extra inquiries and don't tell them you tried multiple times.

2nd sbi is the most cc serviceable bank. who told you they are not serviceable in your area?

Now for the cc part. Open a new savings account in icici bank and maintain 4x MAB and do heavy transactions for 4 months.

You will 100% get a pre-approved cc offer from icici.

btw don't open hdfc account for first cc, otherwise you will regret it later.

Since I actually applied for these cards , how do you suggest I should draft the mail asking them to remove the hits because a unique App Number did get generated every time

 

[drakesri]

It showing for Vistara card also

Try SBI basic cards first.

 

[rdargar]

Try SBI basic cards first.

Since I already tried applying for SBI Vistara Card the website is saying I cannot apply again until the old application is either closed or 3 M has lapsed

You can keep only 5k just to generate your CIBIL.
Otherwise the only option is physical application

What good is a 5K credit gonna do?