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One card secured to unsecured?
- Thread starter Bob78900
- Start date
Batmanbaba
TF Legend
Still searching for answer... I haven't came across anybody .... Who had this jump.... I am holding my card for this answer only..... If the answer is no... Then probably will close one card
alanabraham
TF Premier
They never give a proper answer on this. Past one year people are waiting for this. ONECARD is projecting this feature and attracting FDs from customers.
their are some offer , i say go for it, it LTF, what the harm it will be issue from federal bank or BOB. i recently applied and received the card within 3 days from applying to receiving the card in my hand
alanabraham
TF Premier
Offers will be there time to time for ecom as well as physical stores. 1 RP = 10 Paise. If you spend on 3 different categories in a month, top 2 categories will earn 1% RP which can be converted to 1% cashback.
No idea
In twitter i have seen it affect the offer the bank provide
akshayhs
TF Ace
IDFC cards are unlikely to be issued as they've exited their partnership if I'm not wrong
True
I and my wife applied together and I got a BOB issued one with a CL of 7L and my wife got a Federal Bank issued one with a CL of 2.5L. My Experian being 840 and my wife’s 868. I guess issuing bank is totally random for One Card.
Credit Karma
TF Premier
Has anyone been Lucky to be able to convert One card secured to unsecured? Or atleast get deposit back while keeping one card active?
Batmanbaba
TF Legend
Its not possible... In any circumstances... Once u get a one card... Thats it... Either secured or unsecured....
Unless sbm bank close their partnership with them.... secured cant be converted to unsecured card.... Confirmed by customer care head to me... While I closed card...... I asked for conversion to unsecured before closing
What's showing now when you open One card app?
Batmanbaba
TF Legend
App is not opening itself... Once u close one card.. U wont get either secured or unsecured one..
Credit Karma
TF Premier
I also came to know that. Initially I thought of closing it. But it's the only cc on my credit report.
I was also planning to hold it indefinitely since it's LTF and I put only 5k deposit. But now I know that it's upto them (one card and SBM) and how long they can be partners!
Recently onecard terminated their partnership with IDFC. They gave upgrade to BOB or SIB. Those who didn't upgrade got their onecard closed!
So I will hold it till they (either bank or Onecard) closes it not before!
Idfc independently offering pre approved cards for them 👌
Credit Karma
TF Premier
Yes! They are! I believe they are offering either wealth or select. Good for them! But their one card is closed! Considering rewards of one card, no love lost there! 😀
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