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Credit Card Dilemma

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85 replies to this topic

#31
Snake

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would it be for the entire amount or theremaining balance?

i maybe getting a HDFC card
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#32
avkash

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the terms depend and so does the interest, the interest computation is fairly complex

you pay interest only on the remaining amount though and it will begin after the due date.

Edited by avkash, 31 January 2012 - 10:07 PM.

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#33
Snake

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well fk, i got a call from hdfc saying they gonna give me a CC. i was like wtf yo???.... till i thought it.

i have no clue...what kinda card it is
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#34
godspeed4476

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would it be for the entire amount or theremaining balance?

i maybe getting a HDFC card

Go for a Citibank CC. You can't go wrong with it.
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#35
Snake

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my salaried a/c is with hdfc...and will have very very rare use
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#36
godspeed4476

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my salaried a/c is with hdfc...and will have very very rare use

Ok, never used HDFC so don't know about their customer service, but it's not necessary to link your salary account to your bank account.
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#37
Zeehunter

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They have good cc

#38
avkash

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my salaried a/c is with hdfc...and will have very very rare use

they are pretty good, the card is good as well. But yeah, nothing beats Citi.
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#39
Snake

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ok, so now i check the application status and it says that it has been disapproved, and now i have to respond to a letter they will send to my house or something

Anyone know why this is happening??
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#40
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^^ Sanke. Hope u have a pan card. Citi had forced me to close my account ages ago when I didn't have a pan card back then.
But hell yes, by far they are the best. I get 1point = 1 rupee on my cc and that means free shopping every quarter for a wardrobe refresh.

Edited by Jigsaw, 12 February 2012 - 02:54 PM.

"Most people are so ungrateful to be alive....But not you, Not anymore!"<b></b>

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#41
Snake

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uummm.... i do have a pancard

what does that have to do with my CC application??
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#42
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uummm.... i do have a pancard

what does that have to do with my CC application??


I believe that's one of their requirements.
"Most people are so ungrateful to be alive....But not you, Not anymore!"<b></b>

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#43
Snake

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gods knows man....its annoying as hell
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#44
Jigsaw

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gods knows man....its annoying as hell


Yeah the first card is always slightly tougher to get unless you're on an MBA with a great salary right off the bat as a fresher.

Once you get and use the first card properly, you'll start getting offers from other card companies.
"Most people are so ungrateful to be alive....But not you, Not anymore!"<b></b>

<a href="http://www.speedtest.net" target="_blank"><img src="http://www.speedtest.../524958219.png" border="0" class="linked-image" /></a>

#45
Snake

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can i reapply again or wait for whatever letter they send
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#46
Jigsaw

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can i reapply again or wait for whatever letter they send


First try to understand why you were denied. No point going through the whole cycle again only to be rejected again.
"Most people are so ungrateful to be alive....But not you, Not anymore!"<b></b>

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#47
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My application got rejected coz I didn't have a PAN card ... Baahh
It takes 1 month for PAN card :(

#48
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uummm.... i do have a pancard

what does that have to do with my CC application??

It's compulsory

#49
Snake

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ok i have a pan card.....i added it on the application form, now what?
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#50
Jigsaw

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Now what matlab kya?

Wait and see if you are approved or rejected.
"Most people are so ungrateful to be alive....But not you, Not anymore!"<b></b>

<a href="http://www.speedtest.net" target="_blank"><img src="http://www.speedtest.../524958219.png" border="0" class="linked-image" /></a>

#51
Snake

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aarreee.... its been disapproved....ab letter mein kya rahega mujhe ghanta mslum rahega?
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#52
Jigsaw

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You must have been given some phone number to call? If not, most banks have a dedicated section for cc application queries. Call up and ask them the reason.
"Most people are so ungrateful to be alive....But not you, Not anymore!"<b></b>

<a href="http://www.speedtest.net" target="_blank"><img src="http://www.speedtest.../524958219.png" border="0" class="linked-image" /></a>

#53
Snake

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no use the lady said it has been declined.....no other reason was given

Edited by Snake, 12 February 2012 - 06:52 PM.

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#54
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:console:
Koi aur bank try kar bro. Which one did u try? The one where your salary account is?
The company where you work would usually also have bank people fishing for new credit card customers in your cafeteria. Aur try maar.
Citi has an online application process. Do that also.
"Most people are so ungrateful to be alive....But not you, Not anymore!"<b></b>

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#55
Snake

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do i need a A/C in Citibank as well??
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#56
shekdown

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Citibank have an age limit for issuing CCs. They dont give it to people who are under 23, if you dont have a previous relationship with them. That might explain it.

#57
godspeed4476

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Citibank have an age limit for issuing CCs. They dont give it to people who are under 23, if you dont have a previous relationship with them. That might explain it.

Is it a new thing? coz i have been holding a Citibank CC since 18 or 19. Maybe they have made the norms more stringent now, i have 3 Citibank CC's 2 with high limits and 1 with a limit of some 80-90K and i when i applied for a Fuel card from them about a week back, they called me and said that i will have to swap one of my existing cards for a new one as i already have 3 CC's and and their limit per person is 2 CC. i doubt what they said is true.
@ Snake: the best option for you would be to go for a merchant branded card. Whatever you do , do not apply to the same bank again, try another bank. I got a call from ICICI yesterday and they have started giving AMEX cards :rofl: or you can go for the AMEX charge cards, they have high annual fees (abt 5K) but you can cover it up with your reward points, but their lending criteria is more stringent as the card has no limit
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#58
montylee

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ok so I got an offer for HDFC Platinum Plus card with no yearly fee. They want my PAN card copy and also last 2 months statements of bank account. I am really weary of providing them with info about my salary account and bank balance. is it really required? can I cross-out/hide some details from the account statement?

Please reply urgently as the guy will come today to collect the stuff.
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#59
godspeed4476

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ok so I got an offer for HDFC Platinum Plus card with no yearly fee. They want my PAN card copy and also last 2 months statements of bank account. I am really weary of providing them with info about my salary account and bank balance. is it really required? can I cross-out/hide some details from the account statement?

Please reply urgently as the guy will come today to collect the stuff.

U have to provide the bank statement or the CC bill of any other credit card to show your income/ CC worthiness for the issuing company, dont edit any detail from it.
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#60
montylee

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well I gave them the statement but crossed out the bank balance column.
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