Urgent Suggestion : Credit Card

Govt job? AnyCIBIL Score?

Take one secured(FD based) card and also open HDFC account and keep all ur day2day savings there after 4-5 months u get card

caks2006407 wrote:

Govt job? AnyCIBIL Score?

Take one secured(FD based) card and also open HDFC account and keep all ur day2day savings there after 4-5 months u get card

Do you mean govt job employees have higher chance of rejection?

nimod wrote:

Do you mean govt job employees have higher chance of rejection?

😂I guess. My dad is having a handsome income but axis and sbi rejected😂

chota_chattri wrote:

😂I guess. My dad is having a handsome income but axis and sbi rejected😂

Unka credit history nai hoga. Ek bar credit score ban jaye phir koi rejection nai hoga.

rohan8397 wrote:
Unka credit history nai hoga. Ek bar credit score ban jaye phir koi rejection nai hoga.

Cibil is 811, already had loan for house and car. And paid ontime everytime. He never applied for credit card. He still doesn’t want but I’m applying for him in case he needs urgent money for fuel or food.

Open onecard secured card

chota_chattri wrote:

Cibil is 811, already had loan for house and car. And paid ontime everytime. He never applied for credit card. He still doesn’t want but I’m applying for him in case he needs urgent money for fuel or food.

They check crif also.

Crif takes lots of time. My cibil is 780-790 since 4 months but crif is very low and my axis also rejected due to it

hg916 wrote:

They check crif also.

Crif takes lots of time. My cibil is 780-790 since 4 months but crif is very low and my axis also rejected due to it

Ahh that I didn’t check. I’ll create his id on cred😅

hg916 wrote:

They check crif also.

Crif takes lots of time. My cibil is 780-790 since 4 months but crif is very low and my axis also rejected due to it

Crif ka alag hi scene hai. For months Experian was 785 and CIBIL was 769. At that time Crif was 650. Now Crif suddenly jumped to 766 last month.  

Mainly do frequent debit card transactions and then optionally maintain some good balance. It might trigger bank systems to chase you for credit cards.

chota_chattri wrote:

😂I guess. My dad is having a handsome income but axis and sbi rejected😂

Apply for BoB select card

chota_chattri wrote:

Ahh that I didn’t check. I’ll create his id on cred😅

Dm 4 referral

chota_chattri wrote:

Ahh that I didn’t check. I’ll create his id on cred😅

If you don't have CC, then will they allow you to sign up on cred ?

Open an Axis Bank Account and Maintain a Healthy Balance... Within 3-4 Months You Will Get Pre Approved Credit Card from Axis

Manitian wrote:
If you don't have CC, then will they allow you to sign up on cred ?

u need credit score for cred account. need credit card for payment. 

I have hdfc Amazon pay icici, hdfc millenia, kotak league platinum, icici coral, flipkart axis, bob easy, etc.
All applied without income proof.

The best way is to open an hdfc or icici bank account. Use it as your primary account, do debit card transactions, open an fd if possible.
This ways I got pre-approved offers within 6-8months. 

Manitian wrote:
If you don't have CC, then will they allow you to sign up on cred ?

I have credit cards. I was telling the story of my dad who is a govt. employee and having handsome income but still sbi and axis rejected his application 😂. Cibil is 810 but a dimer said axis checks crif so I said ok I will create his id on cred. Cz on cred I’ll see his crif/experian score plus I’ll get referral too.

And yes signup allowed without cc

anantnitish wrote:
Dm 4 referral

Haha I already have cred.

chota_chattri wrote:

I have credit cards. I was telling the story of my dad who is a govt. employee and having handsome income but still sbi and axis rejected his application 😂. Cibil is 810 but a dimer said axis checks crif so I said ok I will create his id on cred. Cz on cred I’ll see his crif/experian score plus I’ll get referral too.

And yes signup allowed without cc

Normally gov/PSU employees have very higher chance in getting credit card, specially in SBI and other PSU banks.

Your dad is an exceptional case.

bhopali91355 wrote:

Normally gov/PSU employees have very higher chance in getting credit card, specially in SBI and other PSU banks.

Your dad is an exceptional case.

Haha yeah that’s why I am mentioning it here (see first and second comment on this post). I have created his id on cibil as well for a better reach. Idk what’s the real issue.

chota_chattri wrote:

I have credit cards. I was telling the story of my dad who is a govt. employee and having handsome income but still sbi and axis rejected his application 😂. Cibil is 810 but a dimer said axis checks crif so I said ok I will create his id on cred. Cz on cred I’ll see his crif/experian score plus I’ll get referral too.

And yes signup allowed without cc

Wo sab to thik hai...lekin kya beta apne baap ko refer karte huve achcha lagega kya? Socha hai kabhi? Isliye, meri salaah maano or mere referral link se open karo aapke papa ka CRED Account...

UniqueDimer wrote:
Wo sab to thik hai...lekin kya beta apne baap ko refer karte huve achcha lagega kya? Socha hai kabhi? Isliye, meri salaah maano or mere referral link se open karo aapke papa ka CRED Account...

Haha deal but only if you help me find a better deal in bbd for iphone 13.

chota_chattri wrote:

Haha deal but only if you help me find a better deal in bbd for iphone 13.

Better hi kyon, best deal find kar dunga. Aap bas referral link use karo mera wala, aapke papa ke CRED Account ke liye...

UniqueDimer wrote:
Better hi kyon, best deal find kar dunga. Aap bas referral link use karo mera wala, aapke papa ke CRED Account ke liye...

Haha he has to pay Atleast one cc bill right?

chota_chattri wrote:

Haha he has to pay Atleast one cc bill right?

Yes, but that can be managed too.
Also, may be any Utility Bill or Mobile Recharge will do too.

chota_chattri wrote:

Haha yeah that’s why I am mentioning it here (see first and second comment on this post). I have created his id on cibil as well for a better reach. Idk what’s the real issue.

I hope it's not the age. Not sure how old are you 🤣

chota_chattri wrote:

Haha he has to pay Atleast one cc bill right?

Well, jokes apart. Yes, go ahead with your referral, and open the new CRED Account. You may be able to add one of your own CC in your dad's CRED App, then pay the bill. Enjoy those 12 times x 1K CC Bill Payment to get 5 Spins per day for 3 days every payment.

hg916 wrote:

They check crif also.

Crif takes lots of time. My cibil is 780-790 since 4 months but crif is very low and my axis also rejected due to it

Did Axis provide you the reason for rejection?

ontherocks wrote:
Did Axis provide you the reason for rejection?

No. Received a declined message. Do they provide reason?