One Card offers upgrade from FD to unsecured card

[Dexter]

I have got an offer in the OneCard app to upgrade to unsecured card. I had FD of 10k. Now they are giving limit of 3.6L and processing refund of FD.



Earlier, I had SBM bank Visa card. Now it is offered in Mastercard CSB bank. I had to complete KYC again.

 

[gabzvee]

Update: Received my card in 3 days after the old one was shut...

Limit as mentioned has been upgraded, FDs have been closed and sent to my bank account, and reward points are just as many as there were before...

Super happy, only thing I feel is Cibil score may drop due to closure since this was my 1st card, and next card was 6 months later

 

[AnungUnRama]

Update: Received my card in 3 days after the old one was shut...

Limit as mentioned has been upgraded, FDs have been closed and sent to my bank account, and reward points are just as many as there were before...

Super happy, only thing I feel is Cibil score may drop due to closure since this was my 1st card, and next card was 6 months later

But the drop in CIBIL will be temporary. Really happy for you man. Fruit of real patience.

 

[aravb]

Has anyone decoded on what basis these upgrade offers are being given to users. High Txns, Good Cibil etc??

 

[gabzvee]

Has anyone decoded on what basis these upgrade offers are being given to users. High Txns, Good Cibil etc??

Can't comment since I have good cibil (780+) as well as high transactions... the month that they startd rolling out the upgrades, coincidentally happens to be the month where my utilization was the highest (99% literally)
My usage on this card is extremely high too, never took an emi on the card either and 0 late or minimum payments

 

[knockoffaxis101]

Has anyone decoded on what basis these upgrade offers are being given to users. High Txns, Good Cibil etc??

On this Basis : 🤔

👇

 

[its_karan]

On this Basis : 🤔

👇

Waiting for Season 2

 

[newinnov]

Can't comment since I have good cibil (780+) as well as high transactions... the month that they startd rolling out the upgrades, coincidentally happens to be the month where my utilization was the highest (99% literally)
My usage on this card is extremely high too, never took an emi on the card either and 0 late or minimum payments

Now, Try with no usage for next 3 month. Exhaust all remedies

 

[gabzvee]

Now, Try with no usage for next 3 month. Exhaust all remedies

Hi, sorry if I confused, I got the upgrade... the second time
Had mentioned the updates in this post, first had an offer from SIB then that disappeared and in about 2 weeks after I got the same offer from BoB