(doubt) About credit card applying
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Timeline of credit cards:
I have applied for Onecard in March and received it.
ICICI Amazon pay card in July and got it approved in the same month
Now i have 2 card requirement
1. SBI Cashback card (reason: 5% cashback on all merchants) (thanks karthikk bro for referral)
2. HDFC card (any card would do. planning on buying IPhone 16 in september (preorder) or after release)
I need SBI cashback card in the month of October (need to make payments around 1 lakh so this helps that time)
HDFC card by next month
Does applying for credit card this frequently effect my Credit score?
Joined for a job around a week back (before that self employed, got the previous cards as self employed). do i need any bank salary credit proof now or ID card and offer letter is good?
which HDFC card is easy to get and value for money. (preferbly LTF)
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Thankgod i got this card in simple clicks with just 20,000 limit atleast.
Get Hdfc tata neu as fyf. Can be made ltf later by some heavy spends. Ping me incase you need tata neu card referral.
dont worry about CREDIT SCORE
the max MULTIPLE HARD HIT can affect is, your credit score will be stagnated in the same range for some "more" time:) but wont decrease:)) dont worry about it too much
the important point is getting hold of credit card the more as you need it
many says too many hard hits affects credit scores but in reality it didnt affect JUST SCORE WONT IMPROVE MUCH THEN ON WILL BE STAGNATED but wont DECREASE
IMPORTANT NOTE: the above said holds true ONLY IF YOU REPAY IN TIME
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If you have salary account in HDFC, then within 3 months you will get a credit card offer in your account. For SBI, I will recommend you to get first salary slip and then apply basis of salary slip. In this way you can get good limit.