Visa Credit Card Application: Fill & Download for Free

I will give you a very honest answer from the perspective of a middle class salaried person residing in a non-metro city.Parameters-No annual charges. Some cards like Standard chartered Manhattan and Platinum Elite charge 1000 and 5000 respectively from second year onwards.. Imagine you don't use your credit card for a year, still you have to shell out the annual fees. Similarly avoid HDFC Diners, Axis bank buzz credit card,SBI signature ,Amex Gold Card and so on. Avoid all credit cards offered by Amex and standard chartered.Reward points and cashback- don't be fooled by 10x ,20x rewards program. These are marketing traps to lure you so that you spend more.Late payment charges. Go for the card which levies minimum penalty. My personal experience with Citibank credit card is not a cordial one. If by chance you miss the payment due date, they won't send any reminder smses or call you back to remind you.Ease of reaching out to customer care when u need. In this aspect Citibank is the worst. Their credit card business is controlled by their Chennai office. For every silly little thing you have to call the Chennai call center who has no clue to what's happening in the Rest of India. In fact if u wanted to redeem your reward points,you have to call Chennai.Nothing happens online for Citibank credit card. HDFC customer service is best in this regard.Avoid taking credit cards offered by small banks like Ratnakar Bank,Kotak-Mahindra,IndusInd Bank,ING Vysya Bank.Choose a card with zero/ below 500 annual charges and zero application charges.Here is the final list of the best credit cards available in India.SBI Simply click & Simply Save,HSBC platinum,HDFC Signature credit card ( use this only if you hold an account with HDFC Bank)ICICI Bank Platinum Chip Visa Credit CardAs of August 2019, one of my friend is using HDFC Regalia and fortunately he doesn't have to pay any Annual charges . Also it allows a free airport lounge access per quarter. I think this is the best card available in the market.

A major credit card company.I had a Discover card. One of the first cards I got after my divorce process was over in the early 2000s so the limit was not the highest. Only $2000.Years go by. In time I meet my new wife. We got married in 2011. Because not many businesses in my area take Discover compared to Visa/MasterCard, I did not use the card very much. But I used it once a year an entire month for gas and groceries and paid it off at the end of the month just to make sure it still worked. Right after we got married I find out that the bank that issued the Discover card was bought out by Capitol.One. OK, no problem it happens. However after a couple of months of their M/O of the original bank. Instead of getting a replacement card, I get a notice they are cancelling the account. I called customer service and they said that they looked at the history of the account and decided it was so little used and small credit limit (same $2000 limit I had in the early 2000s when I got it. Only card I had to never get a credit limit increase over the life of the card account) it was “not profitable” for Capital One to keep. so they were getting rid of this account and probably many others who had small limits or little-used cards.I was pissed, to say the least. I can see a bank cancelling card accounts that were abused or defaulted on by the users. But to get rid of a card from a person with a good credit score just because it was not used “enough”?A few months later I get in the mail a credit card application. From Capital One.I thought about just throwing it away. But then I changed my mind. I wrote a pissy but professional letter stating “I had a card with Capital One after you bought out my account when you bought (insert bank name) earlier that year. And that three months later you cancelled that card account after taking it over.” I then stated that “since you did not want my business back then I don't want your business now so please remove my name from your junk mail list.”

Most Best Buy credit card approval decisions are issued instantly. You can check your application status by calling the Best Buy Credit Card Center at 18885741301. If your application is approved, you can expect your new card to arrive by mail within 10 business days.You need to have a credit score well above 700 to get approved for either one of the Best Buy credit cards.Your Best Buy credit card approval odds are pretty good as long as your credit score is at least 700 above. There are actually two Best Buy credit cards, a Visa and a store card that you can only use at Best Buy. Your odds of Best Buy Visa approval will only be good if your credit score is at least 700. But if you don’t get that version, you’ll be automatically considered for the Best Buy Store Card, which requires fair credit, or a score of 640+. But there’s more to Best Buy credit card approval than just your credit score.Here are the Best Buy credit card approval requirements:Credit score: 640+ for the store card, 700+ for the Visa.Age: (18+ years old ).Mailing address. Must be located in the U.S .Social Security Number. You need an SSN to apply and can’t substitute an ITIN.Income. The amount of money you make factors heavily into approval.Be sure to Check your credit score before applying. If it’s below 640, take time to improve your score first by looking into my eye to make me use of trade. Even a month can make a big difference. But if it’s more than a minor fix, you might want to put a deposit on a secured credit card and use that for credit rebuilding purposes until you get into the fair credit range.