Credit Cards Declined (need help)

All wrong and too many cards you applied
Try with Bajaj Fin RBL and SBI BPCL or any variant they suggest, then climb steps

This is a dumb thing people usually do on an impulse and don’t read the documentation… Read the terms and conditions & min eligibility requirements… Then apply…

The moment your first card was declined, your Cibil took a hit. now the impact is getting greater due to all the other cards you’re trying, your Cibil is now taking hit after hit without you knowing, and all you’re doing is just screwing up your cibili score… If you don’t have a regular income as salary, banks are finicky so stick with a CC on lien first…

Ask on DD first, people will help you out…

Wrong cards for a beginner. Axis people will not approve fk axis and FreeCharge card easily. Amazon pay also a bit difficult.
I would suggest go with any sbicard. Don’t apply for too many cards at once. Hard enquiry makes you credit hungry and will impact your credit score.
Take it easy initially. You should get your first card soon.
At last idfc has not yet launched their credit card. And initially it will be invite only model. So chances of getting in the initial phase will be a bit difficult as there is huge interest in the market for that card

I’ll say to wait for 3 months and let your cibil come to a good score(gone down due to hard checks for previous cards) and then apply for basic sbi cards or secured cards(cards against FD) for a while. Only then go ahead with new cards.

I don’t work but have more than 12 cards🤣

Bro tumhari technique hi galat hai…

I made an fd and got one card then applied for SimplyCLICK, Got that Card, then Got One Card and Now IDFC Select Card. Now i will apply for Amazon pay or FK Axis Cards, But Only after 6 Months.

u should have tried for hdfc moneyback, hdfc is the most generous bank, they give credits cards to people who do not even have any credit history, i had no cibil score but just on the basis of transactions they approved my application 2 years ago..

for icici bank, u need an ITR of 4 lakh above, that too for their basic platinum credit card, for online application they ask for ITR of 6 lakh n above…

axis is the most pathetic bank in credit card section and u tried to get their most wanted flipkart credit card.

if u want to apply for a credit card, most favourable time is march, bcoz every bank has march end targets, so chances of approval r high @thewinner

i started job in 2019 with monthly income of 15K per month. And I got ICICI credit card with salary account ❤️.. and because of that now I got amazon pay ICICI too

Right now my cibil credit score is 758.

I’ll apply for a new card in March 2021. Any suggestions?

Always try card with bank where u have existing relationship. In ur case sbi. Try again in march first week.
Best is to apply sbi card via local agent found in mall store like big bazaar etc they’ll teach you what to say in verification call.

Hold your horses , stop applying cards first atleast minimum for next 6 months

Now go with secured credit card( credit card on the basis of Fixed deposit)

Just forget about credit cards for atleast 6 months.
Or get credit card on fix deposit.

Alright. SBI BM told me that I can get a card on the basis of loan. Shall I go for it?

It comes with a fee though

Your credit score is 758, no bank will approve CC.

Get a fd credit card, and use wisely to improve your credit card to minimum 775. Then apply for basic card like ICICI platinum or hdfc moneyback (if resume).

Now don’t apply again, all application will rejected because of low CIBIL.

As ur newbie better try sbi r rbl cards

I see. Someone told me that a CIBIL above 750 is considered good.

Thanks, everyone for your advice.

Got IDFC First Wealth Card with Rs 5lacs limit.

Got ICICI Amazon Pay Card with 2L limit