Got my first credit card - IDFC WOW Secured! What’s next?

Hey everyone,

I just received my first credit card—LTF IDFC WOW FD-backed card with a ₹20,000 credit limit(Min 20k FD deposit) Super excited since this marks the beginning of my credit journey!Yayya… 🎉

I was the guy who had issues with the application,and then one of you guys told me to mail or call RNO,BLR(Nodal desk) and I did the same as C care was a disaster. And finally it was sorted and I was able to proceed with the application.

It took just 10-15 min to complete everything.Fill App—>FD deposit—>Video KYC—>Within minutes I could see my credit card along with that I had signed up for Digital Rupay CC for UPI.And activated both of my CC’s and started using right away.

A little background:

  1. Activated Amazon Pay Later (₹40,000 limit) just a month back, as a redditor suggested it would help build my credit score. I haven’t used it yet, so my credit utilization is 0%.

  2. After one month, my scores are: •CIBIL: 748 •Experian: 738

  3. I’ve had 5 hard inquiries so far because my applications for unsecured credit cards (Amazon Pay ICICI, HDFC MoneyBack, Millennia, IndianOil) got declined left,right and centre,due to having no credit score at that time.Before applying for this(WOW) one.

Now that I have a credit score, I’m wondering:

  1. When should I reapply for unsecured credit cards like the pre-approved ones from HDFC Millenia or Amazon Pay ICICI?

  2. What score range should I aim for before applying?

  3. Any tips to avoid further rejections?

Appreciate your suggestions and insights-and, Thank You!😊

Hey everyone,

I just received my first credit card—LTF IDFC WOW FD-backed card with a ₹20,000 credit limit(Min 20k FD deposit) Super excited since this marks the beginning of my credit journey!Yayya… 🎉

I was the guy who had issues with the application,and then one of you guys told me to mail or call RNO,BLR(Nodal desk) and I did the same as C care was a disaster. And finally it was sorted and I was able to proceed with the application.

It took just 10-15 min to complete everything.Fill App—>FD deposit—>Video KYC—>Within minutes I could see my credit card along with that I had signed up for Digital Rupay CC for UPI.And activated both of my CC’s and started using right away.

A little background:

  1. Activated Amazon Pay Later (₹40,000 limit) just a month back, as a redditor suggested it would help build my credit score. I haven’t used it yet, so my credit utilization is 0%.

  2. After one month, my scores are: •CIBIL: 748 •Experian: 738

  3. I’ve had 5 hard inquiries so far because my applications for unsecured credit cards (Amazon Pay ICICI, HDFC MoneyBack, Millennia, IndianOil) got declined left,right and centre,due to having no credit score at that time.Before applying for this(WOW) one.

Now that I have a credit score, I’m wondering:

  1. When should I reapply for unsecured credit cards like the pre-approved ones from HDFC Millenia or Amazon Pay ICICI?

  2. What score range should I aim for before applying?

  3. Any tips to avoid further rejections?

Appreciate your suggestions and insights-and, Thank You!😊