How to get first credit card??

How to get first credit card??

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Score: 4 Votes: 4
Score: 4 Votes: 4
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Hi

I have no CIBIL Score and no credit history

How can i get my first credit card.

HDFC N CITI rejected my application. salary > 35k

35 Comments  |  
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very sad to hear this https://cdn2.desidime.com/assets/textile-editor/icon_toungueout.gif

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U can get credit card.. By giving some FDR as lien..

Free vector troll 062218 troll
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Rural Bank Always Appreciate Customers Who have been Rejected From HDFC and ICICI and CITI and RBS

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@ankurg2109172 wrote:

U can get credit card.. By giving some FDR as lien..


Y Would He Wants Credit Card IF he Have So much Money 2 Invest as Fixed Deposit

Credit card Either for poor or Very Rich Person who doesnt care abt 36% interest at all

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Check your CIBIL

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@Troll wrote:

@ankurg2109172 wrote:

U can get credit card.. By giving some FDR as lien..


Y Would He Wants Credit Card IF he Have So much Money 2 Invest as Fixed Deposit

Credit card Either for poor or Very Rich Person who doesnt care abt 36% interest at all


36% interest only if you are repaying on time.

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Deal Newbie
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Is your score -1 with CIBIL then no record otherwise check once even though you might not have any credit history. You can get from HDFC by paying around 50 as you have applied CC from them.

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This is a very common problem in most countries nowadays.

You do not get a credit card until you have a credit score and you do not get a credit score until you get a credit card.

So the solution is to get a credit card on Fixed deposit (ICICI had this). After about a year, you’ll get calls from almost every bank to try their credit card. I did my first FD of 20k and the credit limit was 17k. It wasn’t much. But i got what i wanted. Now i get calls from banks every other day even if i don’t want one.

All the best.

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@@ssingh.vvivek58
have u tried in the same bank in which you are getting your salary?

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@ssingh.vvivek58 wrote:

@Troll wrote:

@ankurg2109172 wrote:

U can get credit card.. By giving some FDR as lien..


Y Would He Wants Credit Card IF he Have So much Money 2 Invest as Fixed Deposit

Credit card Either for poor or Very Rich Person who doesnt care abt 36% interest at all


36% interest only if you are repaying on time.


Not Repaying on time

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Apply for ICICI CC. Then HDFC etc will give you CC easily.

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@manishtaneja90404 wrote:

@@ssingh.vvivek58
have u tried in the same bank in which you are getting your salary?


yes I have HDFC Salary account

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@prithvirao17 wrote:

This is a very common problem in most countries nowadays.

You do not get a credit card until you have a credit score and you do not get a credit score until you get a credit card.

So the solution is to get a credit card on Fixed deposit (ICICI had this). After about a year, you’ll get calls from almost every bank to try their credit card. I did my first FD of 20k and the credit limit was 17k. It wasn’t much. But i got what i wanted. Now i get calls from banks every other day even if i don’t want one.

All the best.


This is a good choice.

Is it still available?

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@ssingh.vvivek58 wrote:

@prithvirao17 wrote:

This is a very common problem in most countries nowadays.

You do not get a credit card until you have a credit score and you do not get a credit score until you get a credit card.

So the solution is to get a credit card on Fixed deposit (ICICI had this). After about a year, you’ll get calls from almost every bank to try their credit card. I did my first FD of 20k and the credit limit was 17k. It wasn’t much. But i got what i wanted. Now i get calls from banks every other day even if i don’t want one.

All the best.


This is a good choice.

Is it still available?


Yes it should be available. You can check the below link or call the ICICI customer service. Or you can check your bank’s website to see if such a facility is available.

http://www.icicibank.com/Personal-Banking/cards...

Vegeta
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36% interest https://cdn1.desidime.com/assets/textile-editor/icon_eek.gif

Wtf

Better take it from me instead will give at 1.5% per month https://cdn2.desidime.com/assets/textile-editor/icon_toungueout.gif
@Troll

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35k salary and still Hdfc has rejected ur application….. Kya majak hai ye.

Samantha
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@ssingh.vvivek58 wrote:

@manishtaneja90404 wrote:

@@ssingh.vvivek58
have u tried in the same bank in which you are getting your salary?


yes I have HDFC Salary account


If that is the case, by default HDFC would have given CC. why it rejected …send mail to customer care from your net banking.
without applying CITI bank gave me CC after my first salary credit.

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@ishandon wrote:

36% interest https://cdn1.desidime.com/assets/textile-editor/icon_eek.gif

Wtf

Better take it from me instead will give at 1.5% per month https://cdn2.desidime.com/assets/textile-editor/icon_toungueout.gif
@Troll


Your 1.5 Per Months means 18% Yearly

Which is 50% Discount Very Good Deal By The Way

Op Do Consider Credit From Ishandon Yes you have to Girvi rakhna padega khuch ( Mortgage)

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@rpavan wrote:

Check your CIBIL


Can anyone help me too? I have the same case. Salary account is with SBI. Every 6 months, SBI executive calls me for cc, then the application gets rejected quoting the same reason. Apart from I have applied for Citi, HSBC. All are rejected because of no CIBIL history

@VaibhavJain @mahidada

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@makeourdeal wrote:

@rpavan wrote:

Check your CIBIL


Can anyone help me too? I have the same case. Salary account is with SBI. Every 6 months, SBI executive calls me for cc, then the application gets rejected quoting the same reason. Apart from I have applied for Citi, HSBC. All are rejected because of no CIBIL history

@VaibhavJain @mahidada


Only option is to build credit history through secured cards against FDs. Citi will easily provide you card after that. SCB, HSBC are more strict. HDFC also having strange criteria

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Help needed,
My salary is 17k monthly and I own a salary account in Icici bank, I tried applying for a credit card through their website and landed on ’DUE TO OUR CURRENT POLICIES WE DO NOT HAVE A CARD FOR YOU", I have paid up my 2 wheeler loan 2 years back so my credit score should be decent and I want to build it further therefore I desperately need a Credit card, is there any way I can get it through any other source??? Any help would be highly appreciated guys

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@dealguruu wrote:

Help needed,
My salary is 17k monthly and I own a salary account in Icici bank, I tried applying for a credit card through their website and landed on ’DUE TO OUR CURRENT POLICIES WE DO NOT HAVE A CARD FOR YOU", I have paid up my 2 wheeler loan 2 years back so my credit score should be decent and I want to build it further therefore I desperately need a Credit card, is there any way I can get it through any other source??? Any help would be highly appreciated guys


icici told me 20k should be your minimum take home salary for getting a credit card from them.I have just a saving account in HDFC they gave me one lac limit Moneyback credit card . no FD and all …..have only 10k in S/B account. so I m asking you try with HDFC

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@punitdd wrote:

@dealguruu wrote:

Help needed,
My salary is 17k monthly and I own a salary account in Icici bank, I tried applying for a credit card through their website and landed on ’DUE TO OUR CURRENT POLICIES WE DO NOT HAVE A CARD FOR YOU", I have paid up my 2 wheeler loan 2 years back so my credit score should be decent and I want to build it further therefore I desperately need a Credit card, is there any way I can get it through any other source??? Any help would be highly appreciated guys


icici told me 20k should be your minimum take home salary for getting a credit card from them.I have just a saving account in HDFC they gave me one lac limit Moneyback credit card . no FD and all …..have only 10k in S/B account. so I m asking you try with HDFC


HDFC provides one to savings account holder without checking income status with least documentation.

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@prithvirao17 wrote:

This is a very common problem in most countries nowadays.

You do not get a credit card until you have a credit score and you do not get a credit score until you get a credit card.

So the solution is to get a credit card on Fixed deposit (ICICI had this). After about a year, you’ll get calls from almost every bank to try their credit card. I did my first FD of 20k and the credit limit was 17k. It wasn’t much. But i got what i wanted. Now i get calls from banks every other day even if i don’t want one.

All the best.

do you have to get the card made on FD cancelled to start getting calls from other banks? because I have a card from icici based on fd from 1.5 years. haven’t received a single call yet from any bank yet

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@schumacher wrote:

@prithvirao17 wrote:

This is a very common problem in most countries nowadays.

You do not get a credit card until you have a credit score and you do not get a credit score until you get a credit card.

So the solution is to get a credit card on Fixed deposit (ICICI had this). After about a year, you’ll get calls from almost every bank to try their credit card. I did my first FD of 20k and the credit limit was 17k. It wasn’t much. But i got what i wanted. Now i get calls from banks every other day even if i don’t want one.

All the best.

do you have to get the card made on FD cancelled to start getting calls from other banks? because I have a card from icici based on fd from 1.5 years. haven’t received a single call yet from any bank yet


DND?

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@disclaimer Yes. No is DND since six months or so. Could that be a reason. I always thought banks override that during their calls

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