Need Your Advices Regarding Credit Card!
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So, currently I don’t own any credit card. Having flipkart pay later since 1 years and using it quite every month, Also paying off one Debit Card EMI of HDFC.
My CIBIL is 746. I have ICICI (Gold), HDFC (Preferred) Bank accounts.
Should I go for ICICI FD based credit card to make a good score first or ? If yes what amount of FD should i go for.
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I think HDFC currently cannot issue a credit card, given its advice (ban) from RBI. In the meanwhile, he can ask for some good ICICI credit card (unsecured), based on your relationship there and further increase the credit score, as most banks require 750+ or even 780+ CIBIL to be on the safer side.
SBI will be easy if u filed IT returns. Do not apply online, apply through Bigbazaar for FBB or at any petrol pump for BPCL card
If you dont have a current credit card no one will generally give you credit card except the bank with which you have financial relationship
Taking fd based card dont increase your cibil
Credit card based on FD gives you a Credit Score. It works exactly the same as an unsecured (normal) credit card.
Plus he has a credit score, so his current bank (ICICI) will be glad to give him a card. If it is rejected, he can go for co branded cards or FD based cards.
Don’t get any fd cc…let the bank offer you one. If you have income proof you can try in amy bank.
Instead of icici fd card i would say go for OneCard of your city is serviceable if building credit score is the only point at the moment
I have experian score of 840 will i able to get credit card based on this?
That’s excellent score you should be able to get a CC
Talk to your RM in HDFC bank and demand for regalia LTF.