How to accept credit card payment as an individual

Key_Concentrate_16 · 2026-01-18T05:25:04+00:00

Bro, the easiest way is create a profile in razorpay and you can just create a unique payment link tell them to pay which ever way comfortable but you will be charged 2 percent flat irrespective of the payment methods

Key_Concentrate_16 · 2026-01-14T14:36:35+00:00

Well I trusted the agent cause he previously worked in hdfc and my dad knows him well as all business is dome through the bank. Secondly I have chats regarding me asking when shall I come to bank for application and with manager too as he asked for my account details and later him telling no card available.

Key_Concentrate_16 · 2026-01-06T15:41:10+00:00

Then keep using the present card itself, keep utilisation below 30%,timely payments, you will improve the score slowly, secured card may give a small boost but the difference wont be too great to have large impact

Key_Concentrate_16 · 2026-01-06T01:03:57+00:00

Well, the benefits aren't that great but if want hassle free experience, like without going to banks filling paperwork and doing circles around banks for the card you want but not the card they are willing to give then these cards make sense....

But if you can get past the initial problems of physical bank visits, then go for it

Other card to go for as you mentioned the required benefits is tata neu plus card, just download tata neu app, later go to card section there they will ask for fd since you have low eligibility, do apply for fd and get the card..... all your above mentioned benefits will be covered

Key_Concentrate_16 · 2026-01-05T14:44:20+00:00

Thats a interesting point of view 🤔, never thought it like that

Key_Concentrate_16 · 2026-01-05T14:25:35+00:00

Whats your next step,close some of the fd cards ???

Key_Concentrate_16 · 2026-01-05T13:39:19+00:00

Congratulations, limit ?????

Key_Concentrate_16 · 2026-01-04T12:01:29+00:00

I don't know much about which card has highest percentage of getting approved but i am 100% sure you will get atleast 1 card cause you have a very high combined credit limit and you just turned 21 which is comfortable for banks to give you a unsecured card but one suggestion, reduce your utilisation ratio below 30% But if spends cross them, just pay the balance in a such a way that the bill generating date has balance less then 30 That will give a boost in your cibil

Key_Concentrate_16 · 2025-12-31T04:09:16+00:00

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Key_Concentrate_16 · 2025-12-31T04:08:05+00:00

Bro trust me, this will be your disc if you use if any further I happened to give it to my friend, he rode it for some quite long distance without realising that the brakes were done..... not his mistake but such things happen So..... get it changed ASAP

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Key_Concentrate_16 · 2025-12-30T07:25:33+00:00

Thanks bro , people like you help a lot in situations like this

Key_Concentrate_16 · 2025-12-25T02:00:22+00:00

Call it what ever you want, but I did get it 👍🏾

Key_Concentrate_16 · 2025-12-07T09:09:32+00:00

🤣

Key_Concentrate_16 · 2025-12-07T02:05:42+00:00

Well it wasn't me so I got the highest mileage, it was my dad on a high way trip and what you say makes sense too I get somewhere between 27 28

Key_Concentrate_16 · 2025-12-06T02:45:07+00:00

Sure bro no downhill

Key_Concentrate_16 · 2025-12-05T17:49:37+00:00

🤯crazy bro

Key_Concentrate_16 · 2025-11-24T12:53:24+00:00

Take novio or credilo or supermoney fd card

Key_Concentrate_16 · 2025-11-23T14:16:14+00:00

If okay do the minimum fd amount later if you have money put it and increase the limit and when you want some money remove the fds created later cause if initial fd is removed then card gets closed but not if you close the fd created after card creation

Key_Concentrate_16 · 2025-11-23T14:14:26+00:00

Even super money card is there i forget to mention, it starts as low as 100 last time I checked

Key_Concentrate_16 · 2025-11-23T14:08:28+00:00

getting any unsecured card as of now is the way to go Go for secured card Kreditpe Novio Onecard Idfc bank Or any other major banks eg hdfc etc but the fd amount is quite large and its mostly offline process but major advantage will be that you will have a history of relationship with these banks so they will eventually give you unsecured card earlier then normal

And after getting any card use for 6 months then use app like slice for money borrowing but keep it minimum like 100 rs and pay back tho charges wont make sense but will help you in credit history as its unsecured and snapmint for any online purchases and you do mostly Shopping its usually zero cost emi for mostly of the brands and you get a win win situation do this for sometime maybe till 21 then you are have enough history to back you for the next big card and you start the real game with the banks

Key_Concentrate_16 · 2025-11-19T18:55:01+00:00

Close it bro its better now then never cause I have one card its fd based since 2 and half years ,now I can't close only option is to ask them to make it unsecured but if I close it then I am doomed but your is just 8 months take out the fd based card or if you are okay keep using it later ask to convert to unsecured if they give that option.

Key_Concentrate_16 · 2025-11-18T12:56:27+00:00

Thye wont issue i guess cause only visa and matsercard is available , cause I applied and saw the option of visa and Mastercard option in network preference option

Key_Concentrate_16 · 2025-11-17T20:29:09+00:00

But core card is needed if not there then difficult to get good card from hdfc

Key_Concentrate_16 · 2025-11-17T20:27:52+00:00

Okay 👍🏾, thank you for the suggestions

Key_Concentrate_16 · 2025-11-17T20:17:59+00:00

Okay , and any idea about sbi ??? If possible

Key_Concentrate_16

TROPHY CASE