Apply for a Credit Card via Bankbazaar.com and get E-Gift card worth 1,500 from Amazon.in

Good. Get credit cards for all your family members with good credit score… credit cards which are free for first year.

Then if no requirement then can cancel them after one year..

two times applied for stanC and ICICI through bankbazaar.
both application rejected.
its a risky thing, not worth wasting time.

@nimod wrote:

two times applied for stanC and ICICI through bankbazaar.
both application rejected.
its a risky thing, not worth wasting time.

It means your credit score is not good

@deallady wrote:

@nimod wrote:

two times applied for stanC and ICICI through bankbazaar.
both application rejected.
its a risky thing, not worth wasting time.

It means your credit score is not good

How to check for credit score?
I have never missed any of my credit card bills till date.
what could be wrong?

@nimod wrote:

@deallady wrote:

@nimod wrote:

two times applied for stanC and ICICI through bankbazaar.
both application rejected.
its a risky thing, not worth wasting time.

It means your credit score is not good

How to check for credit score?
I have never missed any of my credit card bills till date.
what could be wrong?

Go to the cibil.com and apply for the credit Score. You will get all the details

Guys, if you know that you will be rejected, because of poor or no credit history, do not apply.

Every time you apply for a credit card and get rejected, your credit score goes even lower!

@DealSeeker wrote:

Guys, if you know that you will be rejected, because of poor or no credit history, do not apply.

Every time you apply for a credit card and get rejected, your credit score goes even lower!

I don’t think this is real. I rejected 3 times ICICI CC and finally they offered me ICICI Coral AMex Card and i took..

@deallady wrote:

@nimod wrote:

@deallady wrote:

@nimod wrote:

two times applied for stanC and ICICI through bankbazaar.
both application rejected.
its a risky thing, not worth wasting time.

It means your credit score is not good

How to check for credit score?
I have never missed any of my credit card bills till date.
what could be wrong?

Go to the cibil.com and apply for the credit Score. You will get all the details

No need to go to cibil, they will charge more, any bank in which yr account/CC u can apply for cibil score. I know from HDFC/Axis CC u can apply to get your cibil score.

That’s true, every time you apply for a credit card upon bank’s checking, CIBIL will deduct 2 point’s from your CIBIL rating if the credit card is not approved by the bank.

@vCare wrote:

@DealSeeker wrote:

Guys, if you know that you will be rejected, because of poor or no credit history, do not apply.

Every time you apply for a credit card and get rejected, your credit score goes even lower!

I don’t think this is real. I rejected 3 times ICICI CC and finally they offered me ICICI Coral AMex Card and i took..

you misunderstood @DealSeeker statement.

In your case , you rejected it, not the bank. But if bank rejects it, then that affects your credit score.;-}

@vCare wrote:

@DealSeeker wrote:
Guys, if you know that you will be rejected, because of poor or no credit history, do not apply.

Every time you apply for a credit card and get rejected, your credit score goes even lower!

I don’t think this is real. I rejected 3 times ICICI CC and finally they offered me ICICI Coral AMex Card and i took..

@DealSeeker wrote:

@vCare wrote:

@DealSeeker wrote:
Guys, if you know that you will be rejected, because of poor or no credit history, do not apply.

Every time you apply for a credit card and get rejected, your credit score goes even lower!

I don’t think this is real. I rejected 3 times ICICI CC and finally they offered me ICICI Coral AMex Card and i took..

I was not taking a guess or expressing my personal opinion on this, bro. All of the major credit reporting bureaus — Equifax, TransUnion, Experian — DO DEDUCT credit scores whenever you apply and get rejected for a loan or a credit card. There are ways to minimize the impact, but that’s out of the scope of this discussion.

Dear @DealSeeker , I am not guessing, my another experience with Citi Bank CC, they rejected 3 times my application, but 4th times they only called and offered me card. may be Big Brand do that, but these banks don’t..

No need to go to cibil, they will charge more, any bank in which yr account/CC u can apply for cibil score. I know from HDFC/Axis CC u can apply to get your cibil score.

Do Axis/HDFC charge anything for this service?

@vCare wrote:

@DealSeeker wrote:

@vCare wrote:

@DealSeeker wrote:
Guys, if you know that you will be rejected, because of poor or no credit history, do not apply.

Every time you apply for a credit card and get rejected, your credit score goes even lower!

I don’t think this is real. I rejected 3 times ICICI CC and finally they offered me ICICI Coral AMex Card and i took..

I was not taking a guess or expressing my personal opinion on this, bro. All of the major credit reporting bureaus — Equifax, TransUnion, Experian — DO DEDUCT credit scores whenever you apply and get rejected for a loan or a credit card. There are ways to minimize the impact, but that’s out of the scope of this discussion.

Dear @DealSeeker , I am not guessing, my another experience with Citi Bank CC, they rejected 3 times my application, but 4th times they only called and offered me card. may be Big Brand do that, but these banks don’t..

You see, I never said that a bank will not offer you a credit card in the future if you get rejected once. When you get rejected, your credit score does take a hit, but if you had a good score to begin with, your score level (e.g. 750-780) does not change. Most banks, big or small, look at your score level rather than your exact score to determine your eligibility for a credit card. Moreover, on your fourth attempt with Citibank, your score might have actually improved because of other more important factors like your reported income, credit utilization ratio, length of credit history, etc.

So, in conclusion, your credit score definitely goes down when you get rejected for a credit card or a loan.

Edit at 9:39PM: A good rule of thumb is to not apply again within 6 months of a rejection. There is also a trick to keep the impact of rejections to a minimum, but I am not interested in posting that publicly.

@sniper sharma wrote:

No need to go to cibil, they will charge more, any bank in which yr account/CC u can apply for cibil score. I know from HDFC/Axis CC u can apply to get your cibil score.

Do Axis/HDFC charge anything for this service?

very less, only Rs. 50
fill the form and drop any near by HDFC ATM..
http://www.hdfcbank.com/assets/pdf/CIBIL_LETTER...

@vCare wrote:

@deallady wrote:

@nimod wrote:

@deallady wrote:

@nimod wrote:

two times applied for stanC and ICICI through bankbazaar.
both application rejected.
its a risky thing, not worth wasting time.

It means your credit score is not good

How to check for credit score?
I have never missed any of my credit card bills till date.
what could be wrong?

Go to the cibil.com and apply for the credit Score. You will get all the details

No need to go to cibil, they will charge more, any bank in which yr account/CC u can apply for cibil score. I know from HDFC/Axis CC u can apply to get your cibil score.

How to get CIBIL Score from HDFC Netbanking? Steps please…

@vCare wrote:

@sniper sharma wrote:

No need to go to cibil, they will charge more, any bank in which yr account/CC u can apply for cibil score. I know from HDFC/Axis CC u can apply to get your cibil score.

Do Axis/HDFC charge anything for this service?

very less, only Rs. 50
fill the form and drop any near by HDFC ATM..
http://www.hdfcbank.com/assets/pdf/CIBIL_LETTER...

They will only give you the score. They will not give you the details of the score.

But if you apply from www.cib...om you will get all the details related to your score.

like when your payment was defaulted. what is the reason of the low credit score, etc….

@DealSeeker wrote:

@vCare wrote:

@DealSeeker wrote:

@vCare wrote:

@DealSeeker wrote:
Guys, if you know that you will be rejected, because of poor or no credit history, do not apply.

Every time you apply for a credit card and get rejected, your credit score goes even lower!

I don’t think this is real. I rejected 3 times ICICI CC and finally they offered me ICICI Coral AMex Card and i took..

I was not taking a guess or expressing my personal opinion on this, bro. All of the major credit reporting bureaus — Equifax, TransUnion, Experian — DO DEDUCT credit scores whenever you apply and get rejected for a loan or a credit card. There are ways to minimize the impact, but that’s out of the scope of this discussion.

Dear @DealSeeker , I am not guessing, my another experience with Citi Bank CC, they rejected 3 times my application, but 4th times they only called and offered me card. may be Big Brand do that, but these banks don’t..

I think the problem is that you are talking about something else altogether.

You see, I never said that a bank will not offer you a credit card in the future if you get rejected once. When you get rejected, your credit score does take a hit, but if you had a good score to begin with, your score level (e.g. 750-780) does not change. Most banks, big or small, look at your score level rather than your exact score to determine your eligibility for a credit card. Moreover, on your fourth attempt with Citibank, your score might have actually improved because of other more important factors like your reported income, credit utilization ratio, length of credit history, etc.

So, in conclusion, your credit score definitely goes down when you get rejected for a credit card or a loan.

Edit at 9:39PM: A good rule of thumb is to not apply again within 6 months of a rejection. There is also a trick to keep the impact of rejections to a minimum, but I am not interested in posting that publicly.

Partially agreed with above stmt.. sometimes its not only CIBIL factor for rejection, so Bank can not give negative for that case.
Anyway m not interested in any CC now..

@vCare wrote:

@DealSeeker wrote:

@vCare wrote:

@DealSeeker wrote:

@vCare wrote:

@DealSeeker wrote:
Guys, if you know that you will be rejected, because of poor or no credit history, do not apply.

Every time you apply for a credit card and get rejected, your credit score goes even lower!

I don’t think this is real. I rejected 3 times ICICI CC and finally they offered me ICICI Coral AMex Card and i took..

I was not taking a guess or expressing my personal opinion on this, bro. All of the major credit reporting bureaus — Equifax, TransUnion, Experian — DO DEDUCT credit scores whenever you apply and get rejected for a loan or a credit card. There are ways to minimize the impact, but that’s out of the scope of this discussion.

Dear @DealSeeker , I am not guessing, my another experience with Citi Bank CC, they rejected 3 times my application, but 4th times they only called and offered me card. may be Big Brand do that, but these banks don’t..

I think the problem is that you are talking about something else altogether.

You see, I never said that a bank will not offer you a credit card in the future if you get rejected once. When you get rejected, your credit score does take a hit, but if you had a good score to begin with, your score level (e.g. 750-780) does not change. Most banks, big or small, look at your score level rather than your exact score to determine your eligibility for a credit card. Moreover, on your fourth attempt with Citibank, your score might have actually improved because of other more important factors like your reported income, credit utilization ratio, length of credit history, etc.

So, in conclusion, your credit score definitely goes down when you get rejected for a credit card or a loan.

Edit at 9:39PM: A good rule of thumb is to not apply again within 6 months of a rejection. There is also a trick to keep the impact of rejections to a minimum, but I am not interested in posting that publicly.

Partially agreed with above stmt.. sometimes its not only CIBIL factor for rejection, so Bank can not give negative for that case.
Anyway m not interested in any CC now..

You might not be interested in CC but you might be interested in 1500 Rs gift Voucher.

Apply karo get the credit card, get the gift voucher and close down the credit card

@vCare wrote:
Partially agreed with above stmt.. sometimes its not only CIBIL factor for rejection, so Bank can not give negative for that case.
Anyway m not interested in any CC now..

Err, bro, the other factors I mentioned — your reported income, credit utilization ratio, length of credit history, etc. — are indeed a part of what goes into calculating your CIBIL score.

I hate making statements like this, but in the interest of saving both of us some time, just trust me on this. I probably have more experience with credit and finances than 99.99% of the users on this forum.

@DealSeeker wrote:

@vCare wrote:
Partially agreed with above stmt.. sometimes its not only CIBIL factor for rejection, so Bank can not give negative for that case.
Anyway m not interested in any CC now..

Err, bro, the other factors I mentioned — your reported income, credit utilization ratio, length of credit history, etc. — are indeed a part of what goes into calculating your CIBIL score.

I hate making statements like this, but in the interest of saving both of us some time, just trust me on this. I probably have more experience with credit and finances than 99.99% of the users on this forum.

Trusted..

@vCare wrote:

@DealSeeker wrote:

Guys, if you know that you will be rejected, because of poor or no credit history, do not apply.

Every time you apply for a credit card and get rejected, your credit score goes even lower!

I don’t think this is real. I rejected 3 times ICICI CC and finally they offered me ICICI Coral AMex Card and i took..

i applied CC last 2 years but not successful.

past 1 year 4 time SBI rejected.

2 times ICICI and 1 time indusand bank.:shock:

@DealSeeker wrote:

…

I hate making statements like this, but in the interest of saving both of us some time, just trust me on this. I probably have more experience with credit and finances than 99.99% of the users on this forum.

But I loved it..

Applied for HDFC Bank MoneyBack Credit Card let’s see what happen

@k@g wrote:

Applied for HDFC Bank MoneyBack Credit Card let’s see what happen

if you see for this card there is no message displayed to get Amazon gift voucher….whereas for other cards with annual fee has shown that you will get git voucher on approval…..I was about to apply this card but due this I have not applied….. Did you get any confirmation about gift voucher after submitting application?

@k@g wrote:

Applied for HDFC Bank MoneyBack Credit Card let’s see what happen

I am also looking to apply for that card, but when selecting eligibility, i am not getting that option… what was the parameters selected?

@ashu99926 wrote:

@k@g wrote:

Applied for HDFC Bank MoneyBack Credit Card let’s see what happen

I am also looking to apply for that card, but when selecting eligibility, i am not getting that option… what was the parameters selected?

select salary 30k to get this card……..:-}

please confirm that Amazon gift voucher is applicable for this card…since I am not getting it for this card but getting for other cards….