Is one card a good option?

Fees & Charges

Its good to see the low markup fee, which is better than most credit cards but remember the rewards aren’t good enough for it to compete with super premium cards. As you see, its ideally a lifetime free credit card without any joining or renewal fee.

Can we trust OneCard?

FPL Technologies is committed to giving users back control of their finances, and OneCard is a great example of this commitment. If you’re looking for a credit card that offers great benefits and is issued by a company that you can trust, then look no further than OneCard!

What is the benefit of OneCard?

No Hidden Fees Ever.

No Joining Fees. No Annual Fees. No Rewards Redemption Fees. Control all aspects of your credit card from the powerful OneCard app – transaction limit, domestic/international use, online/offline use, contactless payments and much more.

Does OneCard affect cibil score?

Impact on your credit score

In case your application is declined or you choose to not accept the offer for OneCard, your credit score will not be affected. A hard inquiry would be done only once you accept the offer and activate your OneCard.

Is one card a good option? – Related Questions

Is OneCard RBI approved?

Absolutely! This FD you create is with SBM, an RBI approved bank, and is completely safe.

Will Slice card affect my CIBIL?

Slice also reassured customers that the change in its credit model will not negatively impact their credit scores, as it will continue to follow the credit bureau reporting process.

Which is better OneCard or slice?

However, if only one card has to be selected, then the Slice Super card is a good option as it offers cashback on every transaction, and offers benefits in fuel as well. Also, the late payment charges are very low as compared to the Uni card, but note that you may face high-interest charges as well.

Can I get loan if my cibil score is 1?

A score of 0 or -1 could mean that you won’t get a loan, but some good banks and NBFC lenders are looking at credit appraisals, income proofs, employer and employment details etc. and still lending despite 0 or -1 CIBIL score.

What all affects cibil score?

What are the Factors that Affect your CIBIL score?
  • Irresponsible Payment Behaviour:
  • High Credit Utilisation Ratio:
  • Outstanding Debt:
  • Paying only the Minimum Amount Due:
  • Making Multiple Credit Applications:
  • Errors in your CIBIL Report:
  • Not Having a Credit Mix:
  • Length of the Credit History:

How can I get 900 CIBIL score?

It generally takes a few months to improve your CIBIL score. To move the digits closer to 900, make sure to pay your bills on time and in full, keep credit utilization low, maintain the right mix of secured and unsecured loans and avoid making too many credit inquiries in a short span of time.

Does EMI decrease CIBIL score?

This is because opting for an EMI on a credit card does affect the CIBIL score of the individual to a great extent in the long run. Also, all the future borrowings are affected due to a single EMI that affects the CIBIL score.

Can I get loan if my CIBIL score is 700?

Ideal credit score to avail a personal loan

The minimum CIBIL score for a personal loan is between 720 and 750. Having this score means you are creditworthy, and lenders will approve your personal loan application quickly. They may also offer you your chosen loan amount at a nominal interest.

Does 1 day late payment affect CIBIL score?

Yes. Any delays in your credit payments – be it a credit card bill or loan EMI – harms your CIBIL™ score and can cause it to drop. The late payments are also recorded on your credit report making it difficult for you to qualify for future loans.

Can I get loan if my CIBIL score is 300?

A credit score from 300 to 599 is considered to be poor by any lender. It is like a warning for the lender of the bad credit history of the applicant and the non-viability of the loan. Hence, most lenders will reject the personal loan application of such applicants having such a low credit score.

Is 500 a good CIBIL score?

Your score falls within the range of scores, from 300 to 579, considered Very Poor. A 500 FICO® Score is significantly below the average credit score.

Do people have 900 CIBIL score?

CIBIL scores can range anywhere between 300 and 900, with 900 denoting maximum creditworthiness. A CIBIL score of 750 or above in your credit report is ideal. It will aid in qualifying you for personal loans and credit cards.

CIBIL score range.

CIBIL Score Range Rating
650-749 Good
750-900 Excellent

Is 680 a Good cibil score?

A 680 FICO® Score is Good, but by earning a score in the Very Good range, you could qualify for lower interest rates and better borrowing terms. A great way to get started is to check your credit score to find out the specific factors that impact your score the most and get your free credit report from Experian.

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