Credit Card

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soumensen91204

i am govt. employee, my cibil score is 763, am i eligible for unsecured credit card? because all the time my credit card application becomes rejected, please help me

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Deal Cadet Deal Cadet
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Being an Government Employee if Credit Card Banks are declining you it means somewhere your financial system is very poor or default in financials as per the records.

If you have a poor credit rating the best way to get a Credit Card first and to improve your score would be by investing in an Fixed Deposit like Rs. 25,000 and they will give you 80% of the FD Amount as Credit Limit. Your FD will be the security and you cannot close the FD until unless the Credit Card bills are cleared and closed. Keeping using this Credit Card and keep paying the bills before the due data in 3 to 6 months your Credit Score will also increase and other Bank will offer you a Credit Card based on this track record.

Deal Newbie Deal Newbie
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what is the minimum cibil score to get unsecured credit card?

Deal Cadet Deal Cadet
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Problem might be because you are not living in a metro. If you live in metro they would come to you like ants 🐜😂😂

Deal Subedar Deal Subedar
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What is unsecured card means?

Critic Critic
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hannusk wrote:

What is unsecured card means?

Without any collateral (fixed deposit)

Deal Subedar Deal Subedar
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cadence wrote:

Without any collateral (fixed deposit)

How. To. Increase credit card limit?

Critic Critic
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hannusk wrote:

How. To. Increase credit card limit?

Pay dues on time
Regular usage of card
Income documents to prove your income/salary has increased.

Ultimately it depends on specific bank.

Deal Cadet Deal Cadet
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Just goto where You have sakary account and ask its manager

Pro Shopping Friend Pro Shopping Friend
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Start with RBL Bajaj Finance or super card, next SBI SimplyClick, BoB Select, ICICI PlatinumChip…Open Kotak811 or HDFC and wait for pre-approved card

Deal's Advocate Deal's Advocate
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cadence wrote:

Pay dues on time
Regular usage of card
Income documents to prove your income/salary has increased.

Ultimately it depends on specific bank.

Spend on credit card, pay immediately, don’t even wait for the statement…..

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