OneCard - OneCard Lite

Do you have OneCard?

  • Yes

  • No

  • No, but applied

  • No, but in Waitlist

Results are only viewable after voting.
Smh said:
Just got a reply to my email I sent a week ago. My card is not approved hmm kinda expected because of high utilisation. And they will keep checking every 90 days.

Installed the app to check status it still shows I am in waitlist.

Have asked them how to get my data deleted and do not want to be in their waitlist anymore.
Click to expand...

You really shouldn't let the utilization stay high. Strike a balance between what you put on CC and debit.

99% of my credit is available as of now.
 
Does it bring the cibil score down if you have a lot of credit cards , but are not utilizing high credits at the same time ? My idea is that it should improve the score if you have a lot of unused credit cards since the credit is distributed across all the cards.
 
Their support did not reply. So emailed on the email address found on the Ministry of Corporate affair’s website.

Goodbye, FPL! 🙅‍♂️
 
Yes, credit utilization has a big impact on the overall score. But as long as you don't skip any payment, you're safe. People should try to keep it under 25-30%, that's my understanding.
 
I try and use my credit utilization since I earn good points on the Amex card. Ai pay the same day the bill is generated and never missed a payment so no worries on that.

Does using a higher % of total credit lead to lower scores? I'm not really missing any payments right?

Have asked Amex for credit limit increase many times after the lockdown but they have put all such requests on hold for now...
 
Experian credit score is Bogus. My utilization on my hdfc card was less than 10% but they have listed my card limit incorrectly and showed that I have utilized 68%
 
You must log in or register to reply here.
Back