Suggestions regarding utilisation of fd in getting pre approved offer of credit card
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I am intending to open an fd of 35000.....and I want to utilise that fd in increasing my chance to get pre approved credit card. I already hold bank of baroda premier credit card
1. Should I open a fd in icici.. And get platinum card on it....?? Will I get pre approved credit cards If I hold a platinum card on fd...!!? ×can I upgrade that card to apay or mmt card.and then close fd... ..??
2. Should I open a fd in hdfc and wait for pre approved offer... Do hdfc give fd based cards... Do they offer pre approved card If I take fd based card.
3. Should I open axis bank fd and take fd based cards on it... Which cards are ltf fd based in axis....?? Will I get a pre-approved card If I hold a secured card in axis ....?? If I close the fd... Can I continue using the card... As I have heard from some people that it is possible in axis... What should be the timeline for removing fd amount...
Or should just keep fd and don't take any fd card and wait for proper unsecured pre approved card..??
I hold savings account in icici, axis and hdfc...
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I already hold bank of baroda premier credit card
•You wont get any pre-approved cc from icici bank if you have already any icici cc (irrespective of secured/unsecured)
You will get only chargeable card upgrade offers (only for unsecured cards).
•In icici you can keep any number of credit cards at a time unlike hdfc & axis
My advice- Do fd in icici but dont take cc on that. Just wait for pre approved offer. Also, if possible do rd of 2k or more
Most imp- Dont apply for credit card from your end, else you wont get pre approved offer.
For HDFC, you might get a conditional LTF with C2C against your BOB card.
Moreover, I don't think you'll attract any pre-approved offer with the FD(considering your small FD amount)
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Currently do you hold any CC?