Suggest me entry level credit card

[Md_]

Hey guys!

I wanted to apply for a entry level card as I don't have any credit card till now

Let me give my some information so you guys can suggest me

CIBIL:- 780
EXPERIAN:- 785
Utilisation in cibil 56%
Utilisation in experian 66%
Last 6 months credit enquiry 3
I am self employed
ITR of 7lakhs
My savings ac with BOB
AMB :- 10-15k
Monthly income :- between 50,000 to 100,000

My relationship with
HDFC BANK (CONSUMER LOAN)
IDFC BANK (CURRENTLY PERSONAL LOAN BUT IN PAST TAKEN MANY CONSUMER DURABLE LOAN)

I want a credit card which do not need home verification as my current address is different from My documents one.

And in my document address my brothers live and due to some family issue they won't verify if bank's agent come

Please suggest accordingly.

Thank you!

 

[Md_]

Anyone please guide

 

[harsh_ujjwal]

Firstly cut down ur utilisation. You can apply for for HDFC n IDFC entry level cards i.e- Freedom /Moneback or IDFC Millennia as u already have relationship with them. It might help you in getting approval. You can approach offline agent fr BOB cards.

 

[Md_]

How can i cut my utilisation... I do not have any credit card or pay later whatever utilisation is their is just only on consumer durable loan

And whenever I try to apply idfc card they just show wow card fd one I don't know why?