Finance Contest : Share Your Credit Card Journey | Win Amazon Voucher (OVER)

I m using credit card more then 3 years, I am enjoying very much credit cards and getting many cashback from my credit..

hdfc credit card, now holding 5 credit cards from different banks

Flipkart axis bank card ..  1st time got rejected.

My first credit card was from some foreign bank with very good limit but I was novice even don't know what to do with that in those days and that bank later closed it's business in India due to hefty losses caused by hefty defaults.

Second card is SBI, third card is Axis. And so on.

Only set back is FI and DBS cards, I am unable to get these still, every time rejection on one or other reason.

My first credit card is Indian oil citi bank credit card . I have closed that card  few years back as facing difficulty finding bunk to redeem those points for petrol. currently holding 6 credit cards.

Mine is something interesting... I went to buy Apple Iphone 14 at Certified Iphone reseller 'Inspire'.... There I met HDFC agent who gave me HDFC moneyback+ credit card upon buying.... Then I got it after 9-10 days with Rs.68000 limit... Then after 1 month HDFC bank launched their Rupay upi credit card which made my transactions more easy and rewarding... Then after that I started applying for more credit cards.....and yes after getting rejected 5th time, Finally, I got my axis bank MY ZONE credit card....but I am still disappointed that I am still not getting FLIPKART AXIS CREDIT CARD...Yeah..THIS WAS JOURNEY

My first ever credit card was ICICI Amazon Pay credit card with a credit limit of Rs. 20,000, now holding IDFC Wealth with 5 lakh limit and have cards with many other banks. 

My 1st Credit Card was of SBI, I had a call from sbi bank for that. I got the approval and will get the card in next 7 days. It was around 5 years ago. But got the limit of just 25000.

Started with Paytm First Citi Bank credit card which is now closed due to Citi Bank winding business.

Followed by Amazon Pay ICICI credit card.

Thinking which card to apply next.

First card isnt that great story for me . Its more than 10 years back - Simple, I was working in one of the MNC - applied same day to HDFC and ICICI who had camp, HDFC was approved with 57K limit and ICICI was with 30K

Interesting story is of Stan Chart - Applied at least 3 times online, doc collection date and time mentioned each time (Yes doc collection was there in 2012), received call immediately once I apply, but no one appears to collect docs, upon enquiring, they said Card is declined - I said, Hows its possible without even collecting doc ?? Then after few days received call that card is approved and asking for docs, I said I didn't applied now - but I believed them and sent docs and card was approved with same limit of hdfc

Now in 10-12 years, count is of 26 cards after closing Uni/Slice/postpe cards

1. HDFC

2. CITI - first cashback card

3. ICONIA AMEX

4.SBI CB
5 axis ace

My 1st credit card was from Standard Chartered... Way back in 2003, issued as staff card. Currently hold 4 banks cc

I was afraid of credit card as seen in movies and told by parents ki barbaad ho jate h credit card use krne vale.Once I was purchasing a geyser from flipkart using SBI debit card but offer was not applying even the offer was available. I asked my friends atm card no he said use credit card instead of DC.I said I will UPI the amount immediately before purchasing..otherwise u will face interest charges..he said no need I can repay after 45 days without interest ..he told me cc is like a full glass of water..some water u drink.again fill it within 45 days without any charge...no need to worry...I was shocked and asked other things..immediately I applied for flipkart axis Bank cc.and got it in 5 days..now my card was cancelled 3 months before as I was circulating money using snapay😂

Started with FD based onecard, once credit score improved I aimed for best card in each category. SBI Cashback card for general purpose, ICICI premium cards for lounge, offer etc. Axis Rupay IOCL Fuel, HDFC for bank offers.

Most cards are LTF.

There was a time when i was so excited for the credit card , to look cool 😂 to look richy 😝

I tried so much , applied many times but nothing worked. 

At Last OneCard Gives me Pre-approved credit card.

I was so happy at time & It is Still my Favourite Credit Card ♥️

Now I Have 7 Credit Card ♥️

My first credit card was Amazon pay ICICI. First time applied and got approved

I was quite happy that time almost 4 years back

Second credit card got from HDFC millennia cc

Then I applied sbi card got rejected axis bank also got rejected
Then fd based kotak card applied got approved

Later I got Flipkart axis bank credit card

Then sbi idfc , RBL

Now I am holding various credit cards and getting benifits from this

ICICI - 4 cards

HDFC - 3

Axis - 2

Sbi - 2

IDFC - 1

One card -1

RBL - 1
Kotak - 1

• I first applied for the Amazon ICICI credit card last year, and it was rejected because I had changed my company at that time, and they need the Salary slip for the last 3 months from the current company, which I wasn't aware of.
• After 6 months, I re-applied and got my first credit card "Amazon ICICI credit card" with a limit of 1L.
• The next one was an "HDFC Regalia Credit card" with a limit of 5L, due to my salary account in HDFC.
• Then for the Electricity payment, I took an "Axis Ace credit card" with a limit of 25k.
• Followed by the market's most demanded "SBI Cashback Credit card" with a limit of 20k.
• Then with the new trend of rupay, I had taken a "BOB Snapdeal Credit card" with a limit of 1L.

sawayamjaiswal33 wrote:

I m using credit card more then 3 years, I am enjoying very much credit cards and getting many cashback from my credit..

Bhai credit card journey ke milestones ke baare main to batao.

srini1710 wrote:

hdfc credit card, now holding 5 credit cards from different banks

Bruh you are supposed to name those cards.

got SBI cc with loan, closed on second/third year

prabuisp wrote:

My first credit card was Amazon pay ICICI. First time applied and got approved

I was quite happy that time almost 4 years back

Second credit card got from HDFC millennia cc

Then I applied sbi card got rejected axis bank also got rejected
Then fd based kotak card applied got approved

Later I got Flipkart axis bank credit card

Then sbi idfc , RBL

Now I am holding various credit cards and getting benifits from this

ICICI - 4 cards

HDFC - 3

Axis - 2

Sbi - 2

IDFC - 1

One card -1

RBL - 1
Kotak - 1

Is your FK Axis LTF ?

1. Hdfc millennia credit card
   
2. Airtel Axis credit card
3. Flipkart Axis credit card
4. SBI Elite Credit card

I hold around 13 credit cards currently and it's been a decent journey so far.

Got HDFC Freedom CC with salary account in 2018 when I started my career, the most entry level CC from HDFC Bank with a credit limit of mere Rs. 25k and had to perform Smartpay transactions for a few months to get it LTF.

Then I got Amazon Pay ICICI CC, followed by Paytm Citibank CC which became my go-to CC for most of the purchases as it provided 1% cashback as statement credit which is the most preferred mode of reward points credit on a personal level.

Got upgraded to HDFC Regalia First CC and had to again perform Smartpay transactions to make it LTF. This was a high point for me at that time. 

Meanwhile, I tried applying for Axis Flipkart CC but the application was rejected without any reason being provided but got to know via a branch representative that they were issuing this CC only to people holding any prior relationship with the bank. I tried applying via branch too but no luck. Interestingly, I was able to get hold of this CC LTF and all the troubles faced in the past for this very CC stands void now.

For about an year, I was unable to apply for any credit card because of mistake at Ola Money's end for reporting me as a defaulter for missing a payment of Rs. 2 whereas I made all the payments on time. CIBIL score dropped below 700.

Fast forward to today, I've added a few CCs recently after CIBIL score correction. Starting from 25k credit limit in HDFC Freedom CC to holding HDFC Regalia CC (LTF) with a credit limit of 5.5L, I've come a long way. Here are the CCs I'm currently holding :

HDFC Regalia (LTF) - highest credit limit of 5.5L
Tata Neu Infinity RuPay (LTF) - shared credit limit with Regalia
IDFC First Wealth (LTF) - highest credit limit of 5.5L
Amazon Pay ICICI CC (LTF)
Axis Flipkart (LTF)
RBL World Safari (LTF)
ICICI Platinum (LTF)
SBI Cashback
Ola Money SBI (LTF)
BoB RuPay Premier (LTF) - lowest credit limit of 75k
Citi Rewards
IndusInd Legend (LTF)
OneCard (LTF)

My first Card was FD Card from ICICI - ICICI Platinum Visa

Got 27k Limit with 30K FD,

Loved it ✨

Tried to apply for OneCard, The application process had some bug, I wrote an email to devs, They fixed the bug ans thanked me, I told them please look into my OneCard Applcn, by some weird luck got 20k Limit (First Unsecured Card)

In one sale month I accumulated total spent about 1.2L from my ICICI FDcard,

Then Bank called to offer me 2nd Unsecured Card - ICICI MMT Signature with 1.1L Limit ❤️ plus upgraded Savings Account to Privilege Account...

Now have SBI, ICICI, HDFC, RBL, KOTAK etc...

Most rewarding experience : HDFC

Most comfortable Banking : ICICI

aswaniexpress wrote:

My first credit card is Indian oil citi bank credit card . I have closed that card  few years back as facing difficulty finding bunk to redeem those points for petrol. currently holding 6 credit cards.

Glad that you are still here, I find few people that i used to interact with disappeared.

As for the contest,  At first I read the topic as share your  credit card details.

My First credit card was HDFC Regalia back in 2017. Applied at branch got approved.

Never had any credit  card history  even  in the family .

Thinking  of amazon  icici if available to me

my first card was citibank rewards card in 2018, got that just to get 1000 amazon voucher as joining bonus, luckily approved. second was HDFC moneyback card. currently i hold 17 credit cards. only one was rejected till now - SC ultimate.

My first credit card is sbi symply click card 5 year before. Actually I have no cibil that time. Then I just created fd and apply credit card against it. After some time when I have cibil, I closed it and got other credit card. Now I have 6 credit card.

My 1 st cc was Icici , 8 years ago, and than SBI, Hdfc, axis, IndusInd, citi, standard chartered, Amazon Icici,axis fk, one card.