Suggestion for applying cc

[unusedbrain1]

MY profile -
1 -HDFC IOCL (pre approved) -20k (6month)
2- NEu Plus - limit shared .
3- Paytm Sbi - 20k (4 month)
4- Axis myzone(ltf) -90k (2 month)
5&6 - AXIS IOCL& privilege -(1.5 month)

CIBIL- 759 (-7 THIS MONTH) .

So i closed my - 2 Flipkart Idfc pay later (70k & 8k emi ) will be reflected this month on cibil and Will be closing Paytm pay later next month

Plus there is a Tractor loan & Consumer loan from HDFc(50k) .

what do i do now ?
i want
1-Sbi Core card .
2- apay & one icici card
3- BOB

 

[NShah]

MY profile -
1 -HDFC IOCL (pre approved) -20k (6month)
2- NEu Plus - limit shared .
3- Paytm Sbi - 20k (4 month)
4- Axis myzone(ltf) -90k (2 month)
5&6 - AXIS IOCL& privilege -(1.5 month)

CIBIL- 759 (-7 THIS MONTH) .

So i closed my - 2 Flipkart Idfc pay later (70k & 8k emi ) will be reflected this month on cibil and Will be closing Paytm pay later next month

Plus there is a Tractor loan & Consumer loan from HDFc(50k) .

what do i do now ?
i want
1-Sbi Core card .
2- apay & one icici card
3- BOB

Apply sbi credit card offline you will get without income proof or not offline sbi sprint portal give instant approval
Apply Amazonpay through Amazon approved chances is high after approval of Amazon you can take icici core credit card through X/twitter route
Bob cc you can apply online
Or
wait until your axis bank credit card have completed 6 months after that you can apply every bank credit card on card to card basis

 

[unusedbrain1]

Apply sbi credit card offline you will get without income proof or not offline sbi sprint portal give instant approval
Apply Amazonpay through Amazon approved chances is high after approval of Amazon you can take icici core credit card through X/twitter route
Bob cc you can apply online
Or
wait until your axis bank credit card have completed 6 months after that you can apply every bank credit card on card to card basis

I will try Sbi offline after 2 month .. around Diwali time ..and then i guess after 4 month through c2c .. apay rejected so 3 month remaining . Does having a Hdfc consumer loan a big downside ? or its good for mix as i have a Vehicle loan, credit card & consumer loan

 

[NShah]

I will try Sbi offline after 2 month .. around Diwali time ..and then i guess after 4 month through c2c .. apay rejected so 3 month remaining . Does having a Hdfc consumer loan a big downside ? or its good for mix as i have a Vehicle loan, credit card & consumer loan

Not a big downside it will be active on your cibil for limited time.
Paylater account show as personal loan in cibil which can harm your cibil.

 

[unusedbrain1]

Not a big downside it will be active on your cibil for limited time.
Paylater account show as personal loan in cibil which can harm your cibil.

i have closed all paylater account. paytm will be closed next month . so there will only be a consumer loan hdfc left. so not a big downside .. but will close that too in few month .

 

[unusedbrain1]

I will try Sbi offline after 2 month .. around Diwali time ..and then i guess after 4 month through c2c .. apay rejected so 3 month remaining . Does having a Hdfc consumer loan a big downside ? or its good for mix as i have a Vehicle loan, credit card & consumer loan

while applying the SBI card .via agent offline
Mostly they ask
1 - Bank statement ( how many months ; whats the criteria or just keeping 80-90k at time of apply will work )
2- Credit card

 

[unusedbrain1]

Apply sbi credit card offline you will get without income proof or not offline sbi sprint portal give instant approval
Apply Amazonpay through Amazon approved chances is high after approval of Amazon you can take icici core credit card through X/twitter route
Bob cc you can apply online
Or
wait until your axis bank credit card have completed 6 months after that you can apply every bank credit card on card to card basis

MY axis ioc .has 3 month bill generated.
Where can i apply c2c
1st bill was -590(fees)
2nd - 40k
3rd- 16 k .
Out of 90 .
I m thinking of BOB . Applied 2 month ago .. incomplete Application still a cibil hit

& 7 latest enquiry in last 45 days or so (4 enquiry was just for checking pre approved things 🥲)

 

[NShah]

MY axis ioc .has 3 month bill generated.
Where can i apply c2c
1st bill was -590(fees)
2nd - 40k
3rd- 16 k .
Out of 90 .
I m thinking of BOB . Applied 2 month ago .. incomplete Application still a cibil hit

& 7 latest enquiry in last 45 days or so (4 enquiry was just for checking pre approved things 🥲)

Wait 3 to 6 months don't apply anything
Your axis Bank credit card just 3 months so that your cibil report not stable yet

 

[unusedbrain1]

Wait 3 to 6 months don't apply anything
Your axis Bank credit card just 3 months so that your cibil report not stable yet

Haha yes ..plus I closed 2 Account (Flipkart pay later )
One was emi & 70k limit which was oldest in my cibil 2.1 year now the oldest will be Vehicle loan of 1 yr

 

[unusedbrain1]

Wait 3 to 6 months don't apply anything
Your axis Bank credit card just 3 months so that your cibil report not stable yet

One more thing . Since my Hdfc is 20 k limit .. should i close it too & apply after 3 month ..or just wait and not close so many accounts in a jiffy

 

[NShah]

One more thing . Since my Hdfc is 20 k limit .. should i close it too & apply after 3 month ..or just wait and not close so many accounts in a jiffy

If you have itr you can request hdfc to increase limit
Wait because your highest credit card limit is 40k if you apply hdfc bank after closer one you will get 30 to 40k limit
Increase your credit card limit

 

[unusedbrain1]

If you have you can request hdfc to increase limit
Wait because your highest credit card limit is 40k if you apply hdfc bank after closer one you will get 30 to 40k limit
Increase your credit card limit

NO MY AXIS BANK LIMIT IS 90K

 

[NShah]

NO MY AXIS BANK LIMIT IS 90K

That good credit limit

 

[unusedbrain1]

That good credit limit

I guess i would wait October, November and Apply After 15 dec.