misterinusual
TF Buzz
Hello community,
I hope you're all doing well. I am currently facing some challenges with my Onecard as I am unable to convert it to an unsecured credit limit, and there are issues with SBM preventing me from increasing it. Given that it's my first credit card, 1 year and 4 months old, I'm contemplating closing it. However, I am concerned about the potential impact on my credit score.
Has anyone encountered a similar situation or could provide insights into whether closing my first credit card might affect my credit score negatively? Any advice on how to navigate through this situation would be greatly appreciated.
Thank you!
Edit :
I already got Flipkart Axis Bank Credit card with 15K (15,000) limit. But after that I applied for some other cards but did not get them. I some times rotate money between the cards and also its quite convenient because bill of OneCard is generated on 1st and Axis card is generated on 12th.
I want to close the card so please suggest some other cards which I can get approved for easily.
CIBIL Score : 778
Experian Score : 810
I am really afraid my credit score will drop since OneCard is my oldest card 1 year 4 months and I got flipkart card 6 months ago.
Thanks in advance to everyone!!!!
I hope you're all doing well. I am currently facing some challenges with my Onecard as I am unable to convert it to an unsecured credit limit, and there are issues with SBM preventing me from increasing it. Given that it's my first credit card, 1 year and 4 months old, I'm contemplating closing it. However, I am concerned about the potential impact on my credit score.
Has anyone encountered a similar situation or could provide insights into whether closing my first credit card might affect my credit score negatively? Any advice on how to navigate through this situation would be greatly appreciated.
Thank you!
Edit :
I already got Flipkart Axis Bank Credit card with 15K (15,000) limit. But after that I applied for some other cards but did not get them. I some times rotate money between the cards and also its quite convenient because bill of OneCard is generated on 1st and Axis card is generated on 12th.
I want to close the card so please suggest some other cards which I can get approved for easily.
CIBIL Score : 778
Experian Score : 810
I am really afraid my credit score will drop since OneCard is my oldest card 1 year 4 months and I got flipkart card 6 months ago.
Thanks in advance to everyone!!!!
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