Onecard secured to unsecured upgrade offers

174°
Deal Subedar
Vijay_Thalap...
Right now , Onecard is offering fd based card for me.

Since one card is now allowing secured to unsecured card upgrades ,  Can I take fd based card for now, so that I can upgrade it to unsecured later ?

or just wait till they offer me unsecured card?


Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
23 Comments  |  
11 Dimers
  • Sort By
Beacon Beacon
Link Copied

Recently I got an upgrade offer form Fd based to unsecured card.

I have using fd based card since 2 yrs,and maturing this month.

Commentator Commentator
Link Copied

How much FD amount?

View 1 more reply
Post Emperor Post Emperor
Link Copied

Don't apply for fd based card wait 2 3 months till they offer unsecured card

And they don't offer an unsecured card later once you get  secured card

Firestorm Firestorm
Link Copied

Waiting for Unsecured card offer, nearly 2 years to come still not got offer, Cibil Also 750+

Benevolent Benevolent
Link Copied

Many People Told To Install OneScore And One Card And Open It A Few Times Per Month...After 3 Months Onecard Will Offer Pre-Approved..


As Per Twitter Support Response, Unsecured Card Will Be Given Based On Spends Criteria. Onescore And OneCard App Don't Ask Sms permission


Surprisingly Onescore App Is Fetching Card Bills And Giving Reminders To Pay On Time (Paying Bill's Before One Day of Cibil Reporting Date , So In Cibil It Will Show Zero Utilisation)

View 1 more reply
Benevolent Benevolent
Link Copied

I installed the One Score app for the first time ever and it's showing "your OneCard is approved". Is this secured or unsecured? Issued by Federal Bank. 

Firestorm Firestorm
Link Copied
you have to check on Onecard app, Sometimes on Onescore app showing approved but on onecard "Currently No offer for you"
View 1 more reply
Beacon Beacon
Link Copied

I'm Getting unsecured onecard issuesd by CSB Bank is it good to get it.?

Benevolent Benevolent
Link Copied
any bank is same now as onecard does not work in bank specific offers.
Onecard is a beginners card so take it if u are just into card world
View 6 more replies
Comrade Comrade
Link Copied

What is secured and unsecured can anyone explain

Deal Subedar Deal Subedar
Link Copied
You can Google search for better answer, but in general

Unsecured Credit Card - You get this with your Credit Worthiness (good Cibil) or relationship with your bank without any collateral investments.

Secured Credit Card - You can get this with making Fixed Deposit with certain amount with the bank and you get credit limit according to you FD amount (around 80% to 120% of your FD)

Deal Subedar Deal Subedar
Link Copied

Got upgrade offer, without FD, earlier I had FD card (FD worth 2k) 

Deal Subedar Deal Subedar
Link Copied
congrats , btw how much time back u took that fd based card ?
View 1 more reply
replyuser
Click here to reply
Reply