best credit card

best credit card

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hi all

I have salary of 17k. I work in big IT company.
can i get a credit card and which would be the best and why?
I purchase things mostly online.

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hgoel42668 wrote:

hi all

I have salary of 17k. I work in big IT company.
can i get a credit card and which would be the best and why?
I purchase things mostly online.

I don’t think they will give you card with this salary. I think the min requirement is 20k but it can also depend on your relationship with the bank. Although, you can always get a credit card against FD.

You should get Amazon Pay ICICI or SBI Simplyclick card. Both are great for online shoppers.

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You will get credit card. Apply online with a bank where your salary gets credited.

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Roushh wrote:

I don’t think they will give you card with this salary. I think the min requirement is 20k but it can also depend on your relationship with the bank. Although, you can always get a credit card against FD.

You should get Amazon Pay ICICI or SBI Simplyclick card. Both are great for online shoppers.

Not Amazonpay one toungueout
22k salary. First CC applied and assholes did everything, verified the official email id even as the last step and in the end rejected toungueout

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Roushh wrote:

I don’t think they will give you card with this salary. I think the min requirement is 20k but it can also depend on your relationship with the bank. Although, you can always get a credit card against FD.

You should get Amazon Pay ICICI or SBI Simplyclick card. Both are great for online shoppers.

What if one is not working ? I am a student and earns a decent amount from other sources and have also paid IT in this return. Is there any scope for me?

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tony-stark wrote:

What if one is not working ? I am a student and earns a decent amount from other sources and have also paid IT in this return. Is there any scope for me?

Very slim chances.

If you really need a credit card then get it against FD. No checks required and no approval.

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Roushh wrote:

Very slim chances.

If you really need a credit card then get it against FD. No checks required and no approval.

What about apay icici credit card?

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Topsey wrote:

Not Amazonpay one toungueout
22k salary. First CC applied and assholes did everything, verified the official email id even as the last step and in the end rejected toungueout

If this is your first credit card then the process will be hard for you. Because banks don’t know about your credit habits. On top of that, your salary is in low end.

Better get a credit card against a FD and pay your dues on time. Within 5-6 months you will start receiving offers for new cards. At that time, you can get a new card and close the old one.

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tony-stark wrote:

What about apay icici credit card?

Same. Amazon will approve you, no problem but ICICI is the one who will do all the background checks because it’s their money. And when they will see that you are not working, they will get cold feet.

Companies used to throw credit cards on students 10 years ago. Not anymore. Now they rarely offer cards to students.

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Roushh wrote:

Companies used to throw credit cards on students 10 years ago. Not anymore. Now they rarely offer cards to students.

What was reason at that time to offer Credit card to students? And now what is reason due to which they do not offer credit card to students?

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_One_Miller_ wrote:

What was reason at that time to offer Credit card to students? And now what is reason due to which they do not offer credit card to students?

Penetrating the market

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Roushh wrote:

Same. Amazon will approve you, no problem but ICICI is the one who will do all the background checks because it’s their money. And when they will see that you are not working, they will get cold feet.

Companies used to throw credit cards on students 10 years ago. Not anymore. Now they rarely offer cards to students.

What about limit of salaried employee with 13K pm

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_One_Miller_ wrote:

What was reason at that time to offer Credit card to students? And now what is reason due to which they do not offer credit card to students?

May be Bcoz of no repayment and written off dues

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Topsey wrote:

Not Amazonpay one toungueout
22k salary. First CC applied and assholes did everything, verified the official email id even as the last step and in the end rejected toungueout

Icici is worst bank to get first credit card experience. Try hdfc.

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BranStark007 wrote:

What about salaried Employee with 13k salary + Good profile + ITR ?
Will they issue CC ?
And What’s major Requirements ?

You are joking. Right?

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_One_Miller_ wrote:

What was reason at that time to offer Credit card to students? And now what is reason due to which they do not offer credit card to students?

Because earlier they were focusing only on acquiring new user. They were blindly trusting their agents but their agents were focusing only on making more incentive based income by picking anybody to fill their forms.

When those students starting to default or abused it, companies started to pay attention on other details too. Now they thoroughly check credit history, financial health, income sources etc etc.

I believe banks still have schemes for offering credit cards to students but now they are not interested anymore.

My younger brother got 2 of his cards in collage that way.

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Roushh wrote:

Because earlier they were focusing only on acquiring new user. They were blindly trusting their agents but their agents were focusing only on making more incentive based income by picking anybody to fill their forms.

When those students starting to default or abused it, companies started to pay attention on other details too. Now they thoroughly check credit history, financial health, income sources etc etc.

I believe banks still have schemes for offering credit cards to students but now they are not interested anymore.

My younger brother got 2 of his cards in collage that way.

In my opinion… Credit Card is a trap in Student life. The time when you should focus on your studies.. you will be end up trapped in EMIs.

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sherlock wrote:

In my opinion… Credit Card is a trap in Student life. The time when you should focus on your studies.. you will be end up trapped in EMIs.

Credit card is a responsibly. If one can use it responsibly then it’s a good thing.

But I also agree with you, at that age nobody cares about anything. And credit card can destroy their life.

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tony-stark wrote:

What if one is not working ? I am a student and earns a decent amount from other sources and have also paid IT in this return. Is there any scope for me?

Other sources? Just curious

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tony-stark wrote:

What if one is not working ? I am a student and earns a decent amount from other sources and have also paid IT in this return. Is there any scope for me?

Being a student if you’re able to earn decent amount then why even bother about credit card? Just focus on expanding whatever you’re doing right now and make it big. Within no time you will automatically get credit cards.

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Money laundering

@dealmate

Lol can you even believe that playboy Tony Stark needs a credit card

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Roushh wrote:

You are joking. Right?

Lmao. L
They (icici bank )Were giving me 7K limit on fresh issue of cc.
Thought might ask your input and shed light on limit of card.

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for getting credit cards easily
I suggest to buy a mobile r any other home applicance at near by electronics in emi for (ex) 3 months no cost emi like that (go for Bajaj emi) then u will get a good cbil score mostly Bajaj will offer u cc (rbl)

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Open an acc with icici, axis or hdfc with 10k min balance. You’ll get preapproved card in 3-6 months.

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You can get HDFC Freedom or Bharat credit card. The eligibility for these cards is monthly gross income of Rs. 12000/- only. Refer links below for more details:

HDFC Freedom Credit Card

HDFC Bharat Cashback Credit Card

You can use these cards to build credit history and later on upgrade to better cards. You can also get secured credit cards (credit cards against FD). Refer this article for information on best credit cards issued against FD in India.

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No need of FD. If you have bank account in kotak, hdfc or icici, they will easily give you per approved card in few months. If not simply open an hdfc savings account with 10k mab. You will surely get it. All the best

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Roushh wrote:

Credit card is a responsibly. If one can use it responsibly then it’s a good thing.

But I also agree with you, at that age nobody cares about anything. And credit card can destroy their life.

There is nothing wrong with cc except that we have to pay bills triumph triumph

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Roushh wrote:

Very slim chances.

If you really need a credit card then get it against FD. No checks required and no approval.

Anyone tried Kotak aqua gold cc against fixed deposit ?

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Filing salaried itr at discounted rates. Those interested Pm me for further info

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Guys I got card from standard chartered

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