https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8375466
Just get only 1 paylater , Flipkart pay later. Other paylaters are a hassle to close later on. This will start generating your score.
How to build CIBIL?
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I just turned 18 and got my e-pan.
I have opened 2-3 zero balance bank account.
Now, senior dimers please help me with your experience to build my CIBIL.
How to I get started.
I am pretty sure no bank would give Credit card to 18 year old with 0 cibil.
I dont have an option to get secured cc also.
Slice rejected my application.
Now confused from where to start.
Thinking of getting postpe.
As soon as I get my first cc I will close every other BNPL.
Also I can manage my finances and will not misuse.
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https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8375472
if you just want to build cibil then make fd and get card against that.. if you have money go for axis/sbi/hdfc/icici bank they easily provide secured credit card against fd for 10000..
if you have less money then go for onecard.. for 2000 fd..
after you got card then every month spend some money should be less than 10% of credit limit.. after bill is generated pay it.. repeat it ..
after 2-3 months your cibil will start generating.. don’t apply for pay later or loans… also avoid slice card…
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8375481
Tanmayyy wrote:Just get only 1 paylater , Flipkart pay later. Other paylaters are a hassle to close later on. This will start generating your score.
I generally dont order from flipkart
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8375482
Padhai kro, kuch bno, cibil jhakk maar ke peeche aayega @sj38931413
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8375484
BUDHRAJ0 wrote:if you just want to build cibil then make fd and get card against that.. if you have money go for axis/sbi/hdfc/icici bank they easily provide secured credit card against fd for 10000..
if you have less money then go for onecard.. for 2000 fd..
after you got card then every month spend some money should be less than 10% of credit limit.. after bill is generated pay it.. repeat it ..
after 2-3 months your cibil will start generating.. don’t apply for pay later or loans… also avoid slice card…
I will check onecard
2000 is reasonable amount
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8375498
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Tanmayyy wrote:Yes you can close it in 2 minutes by calling customer care
I saw many threads in past about the issue in closing flipkart pay later. Is it smooth now?
As far as I know, only Paytm and ICICI paylater services doesn’t require any call or email or anything. You can close it in few clicks by yourself.
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8375501
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prem4998 wrote:I saw many threads in past about the issue in closing flipkart pay later. Is it smooth now?
As far as I know, only Paytm and ICICI paylater services doesn’t require any call or email or anything. You can close it in few clicks by yourself.
Yes fk paylater can be closed just by calling customer care now , closed a relative’s pay later last month
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8375502
Just turned 18 years and you are worried about CIBIL score? I think you better worry about other more important scores now.
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8375505
Expand
sj38931413 wrote:I generally dont order from flipkart
Doesn’t matter , they still report on time payments to cibil even if u don’t use it.
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8375506
ontherocks wrote:Just turned 18 years and you are worried about CIBIL score? I think you better worry about other more important scores now.
Same thing I told him, career bnana chahiye iss age m, ye sab to hota rhega poori jindagi pdi h
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8377115
My CIBIL was bad and could not get any CC. Opened Amz pay Later in Jan. kept clearing dues every 3rd or 4th. Now CIBIL at 767. Got OneCard yesterday for 2.2k limit against 2k FD. Gonna repeat this process.
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8377235
I just turned 18 and got my e-pan.
I have opened 2-3 zero balance bank account.
- If you are financially well off then please ignore CIBIL, credit cards and cashback etc. I was lucky that in 2008 those things were not that common.
- Build a good career first. And they ll chase you to give credit cards and loan. 🙂🙂🙂
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8378186
Learn about investing 1st.
It’ll help a lot later on.
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8378213
18 saal me jaam ke daru piyo , item patao kya cibil ke piche bhag rahe hoÂ
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8378231
BUDHRAJ0 wrote:if you just want to build cibil then make fd and get card against that.. if you have money go for axis/sbi/hdfc/icici bank they easily provide secured credit card against fd for 10000..
if you have less money then go for onecard.. for 2000 fd..
after you got card then every month spend some money should be less than 10% of credit limit.. after bill is generated pay it.. repeat it ..
after 2-3 months your cibil will start generating.. don’t apply for pay later or loans… also avoid slice card…
@sj38931413
This is good advice. Don’t go for pay later options from Amazon/Flipkart and don’t apply for credit lines either.Â
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8378245
…Focus on education ..cibil is secondary….
https://www.desidime.com/discussions/how-to-build-cibil?page=1#post_8378258
bikidas2060 wrote:I just turned 18 and got my e-pan.
I have opened 2-3 zero balance bank account.
- If you are financially well off then please ignore CIBIL, credit cards and cashback etc. I was lucky that in 2008 those things were not that common.
- Build a good career first. And they ll chase you to give credit cards and loan. 🙂🙂🙂
Affirmative. One of my friend has 13-15L annual package and yet the amazon icici card was rejected due to no CIBIL.
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