ICICI Bank Credit Cards

[Deleted member 78243]

@uttxx @Xposed You may apply for a CC with HDFC as @Smh said that ICICI is known for rejecting CCs. But make sure it is a life-time-free/low-cost one. I don't think HDFC has any unconditionally LTF card. If you have a business, make sure your business address is not the same as your residential address. Try reframing the business address if that's the case (like, add ground floor/ first floor/ add a new landmark so that it seems you do have a separate establishment.) However, if you follow these steps as I said, I don't think ICICI will reject you, though I'm new to this as well. If you are employed, just provide your salary slip to your salary account bank (which is not my case yet) and apply for a CC.

Also, make sure the FD card has at least 30K limit (50K suggested) for easy approval by ICICI.

I'll try asking my branch manager about it.

 

[Deleted member 78243]

card linked with FD will close when you close your FD (not on maturity, like if you decide to renew). Now the problem is if you close your card linked with FD your credit score will also tank. This is the case with ICICI not sure about SBI.

See if hdfc if offering you any card that will be the best way to start building your score, it will take 6 months. ICICI is notorious for rejecting CC application.

Alternative would be use ICICI card against FD for generating score then get a card from HDFC. Now close ICICI card and use HDFC to build your score.

In your first post you didn't mentioned any doc about income proof so are your salaried, self employed?

I'm 21, and a student right now.

 

[Deleted member 78243]

Maybe the best bet will be to get ICICI Platinum FD Card as it is free lifetime and use it for 1 year until the cibil score builds up (icici cus other banks charge for joining fee/ renewal fee etc)
Having this fd card then get a free lifetime hdfc card with credit score built up on the fd card.
Then close both ICICI account and credit card. and grow the score with this hdfc card.
Closing icici account cus i like only 3 banks (citi, hdfc, sbi)

 

[igloo]

hdfc will issue you a credit card without any formal inquiry as you have saving account with them.
Why block a FD when you can get CC direct?

 

[Kick933]

I'm 21, and a student right now.

I am 19 and student...and have net credit limit of 85k...
Yupp...icici sucks...They take 18 bucks even before i can talk to anyone on phonebanking.

 

[Deleted member 78243]

@igloo Yes dude i'll try to talk with branch manager.
Basically on cards section of netbanking it shows You're eligible for a free LTF credit card.
But i have seen videos on yt it asks for income proof which i don't have (itr or salary slip) but my balance is always above 2L.
I also have a FD already with HDFC.
And the LTF card it showed was Millennia Credit Card.
I'm only worried about me getting rejecting again from HDFC too.

 

[Deleted member 78243]

I am 19 and student...and have net credit limit of 85k...

Lucky peeps i guess

 

[Kick933]

@igloo Yes dude i'll try to talk with branch manager.
Basically on cards section of netbanking it shows You're eligible for a free LTF credit card.
But i have seen videos on yt it asks for income proof which i don't have (itr or salary slip) but my balance is always above 2L.
I also have a FD already with HDFC.
And the LTF card it showed was Millennia Credit Card.
I'm only worried about me getting rejecting again from HDFC too.

File ITR man...who cares...i filed for my 18th year showing my income from stocks and showed rest of income from business

 

[igloo]

@igloo Yes dude i'll try to talk with branch manager.
Basically on cards section of netbanking it shows You're eligible for a free LTF credit card.
But i have seen videos on yt it asks for income proof which i don't have (itr or salary slip) but my balance is always above 2L.
I also have a FD already with HDFC.
And the LTF card it showed was Millennia Credit Card.
I'm only worried about me getting rejecting again from HDFC too.

Don't worry just apply online. Fill in self employed if thats ok for you.
I applied few month back in similar way. No one ever called for enquiry and within 5-7days card in my hand.

 

[Deleted member 78243]

File ITR man...who cares...i filed for my 18th year showing ny incone from stocks and showed rest of income from business

Yes will have to as i can see it is showing me balance transactions above 5L in current financial year.
Also ITR will help.