Only banks can check detailed CIBIL report having income details and other hidden details while doing hard enquiry.
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SBI Card PhonePe SBI Card – CVP new SBI CC launching
BhaiyaJi
TF Legend
One apply for ICICI card and can download the detailed report from the iLens portal.
Last year ITR filed data
What is iLens portal?
BhaiyaJi
TF Legend
Sagar56794
TF Buzz
I haven't applied. I am thinking of applying from my frnds place in a town. I already hold cards from SBI. Is it wise thing to do?😑
I can close HDFC rupay card which I kept to keep utilisation low, but it was my second credit card (3rd credit account). Will this cause my CIBIL to drop ? Credit age now is 1y 4mo.
I recently gave my income info to HSBC for Live+ application, if they use that and I close this card I think I won't be over leveraged.
If its this then shoot I will have to close all CCs just for this...
Is VISA card better due to BharatQR method for online transactions or Rupay better?
@Abhishek012 rupay commander any pros for Rupay?
Already hold Tata neu Infinity so no need of UPI Cashback
@Abhishek012 rupay commander any pros for Rupay?
Already hold Tata neu Infinity so no need of UPI Cashback
I don't think so as your credit age is very low.
How many credit card do you have? What is your total credit limit?
5 cards
23.9L total limit - 5L shared X 3 for HDFC DCP, Neu Infinity and Rupay
Compare it with your annual income. I think you are not over leveraged.
You can also use RuPay Card for Bharat QR payment from SBI Card app, right ?
by the way unlike SBI Cashback card, here 5% cashback available on selected merchant and some mcc code are also excluded.
GPay allows only Visa/MC so I thought Rupay cant be used with BharatQR, mb.
And ig Rupay inconvenience fee will be less too? Rupay it is
Before tax its safe.. after tax will not be.
What is cooldown for reapplication if rejected?
90 days. .
Is there any comparison done for this/links to check? My main USP would APay vouchers but CB was too costly for my small online spend pattern.
Ill close that card and try then to risk it. Getting LE on Onecard anyways so utilisation can still be kept in control afterwards.
Thanks for answering my doubts.
Ya, dnt know when GPay will allow RuPay cards, Last year, just saw the demo.
By the way, so what if you have the Tata Neu Infinity? You could also think of it this way — I already have one Visa card, now I'll take only RuPay cards. One Visa card is enough. 😀😀
I don’t think you’ll get 5% cashback everywhere with the SBI PhonePe Card like you do with the SBI Cashback Card. Some MCC code categories are also excluded.
You’ll get 5% cashback on buying Amazon gift cards from Amazon, but it may be excluded on other websites.
avikrish
TF Premier
Just got the bank verification, it's done , need to wait for the status, hope they get it approved
