Introduction
Aaj ke financial duniya mein, credit cards ek important tool ban gaye hain. Lekin agar aapki CIBIL score low hai, toh aapko suitable credit card milna thoda challenge ho sakta hai. Is guide mein, hum aapko low CIBIL score ke liye best 10 credit cards ke baare mein batayenge, taaki aap apne financial needs ko achhe se manage kar sakein. Aage padhne se aapko pata chalega ki kaise aap apne liye best credit card choose kar sakte hain jo aapke credit score se match karta ho.
Prerequisites
Is guide ko shuru karne se pehle, aapko kuch chizein pata honi chahiye:
- Understanding of CIBIL Score: CIBIL score aapki credit history ko reflect karta hai aur yeh 300 se 900 ke beech hota hai. Agar aapka score 300 se 600 ke beech hai, toh yeh low mana jata hai.
- Financial documents: Aapko apne income proof, identity proof, aur address proof tayyar rakhne chahiye.
- Research: Credit cards ki terms and benefits ke baare mein jaankari rakhna zaroori hai.
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Step 1: Understand CIBIL Score Requirements for Credit Cards
Sabse pehle, aapko yeh samajhna hoga ki alag-alag credit cards ki CIBIL score requirements alag hoti hain. Low CIBIL score ke liye kuch card options provide karte hain, lekin acche benefits ke liye aapko score thoda improve karna padega.
- 600 aur usse kam: Aise score wale logon ko secured credit card ya co-branded credit cards ka option prefer karna chahiye.
- 600-650: Members yahan par kuch regular credit cards ke liye apply kar sakte hain, lekin approval ka chance kam hota hai.
- 650 aur above: Is range wale customers ko normal credit cards milna aasaan hota hai.
Step 2: Choose the Right Type of Credit Card
Credit cards alag-alag types ke hote hain, jaise ki:
- Secured Credit Cards: Ye unsecured cards ki tarah hote hain lekin aapko ek fixed deposit ya collateral provide karna hota hai. Isse aapko credit limit milta hai aur aapka credit score bhi improve ho sakta hai.
- Co-branded Credit Cards: In cards par aapko ek specific brand se rewards aur cashback milta hai. Yeh bhi low CIBIL scores wale applicants ke liye ek option ho sakte hain.
Step 3: Top 10 Credit Cards for Low CIBIL Score
Ab hum baat karte hain un top 10 credit cards ki jo low CIBIL score wale logon ke liye suitable hain:
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1. SBI Card Unnati
Required CIBIL Score: 600+ SBI Card Unnati ek achha option hai jiska seamless process aur rewards program hai.
2. HDFC Bank Secure Credit Card
Required CIBIL Score: 600+ HDFC ka secure credit card apko low interest rates aur ease of use offer karta hai, jo ki security deposit se linked hota hai.
3. Axis Bank Insta Easy Credit Card
Required CIBIL Score: 600+ Yeh card aapko bina kisi documents ke khud se apply karne ki facility deta hai.
4. ICICI Instant Platinum Credit Card
Required CIBIL Score: 600+ ICICI ka yeh card speed aur exclusive benefits ke saath aata hai, jo ki low CIBIL score wale logon ko appeal karta hai.
5. IDFC FIRST Bank Credit Card
Required CIBIL Score: 650+ Yeh card aapko low fees aur flexible rewards offer karta hai, jo finance management mein helpful hai.
6. Kotak Mahindra Bank Credit Card
Required CIBIL Score: 600+ Kotak ke credit cards low scores wale applicants ke liye available hote hain, saath hi customer service bhi kaafi achhi hai.
7. RBL Bank Credit Cards
Required CIBIL Score: 600+ RBL ka range of credit cards un logon ke liye useful hai jo cashback aur rewards chahte hain.
8. IndusInd Bank Platinum Credit Card
Required CIBIL Score: 650+ IndusInd ke cards decent perks aur rewards ke liye jane jaate hain. Yeh card low to moderate CIBIL scores wale individuals ke liye acha hai.
9. Yes Bank Credit Card
Required CIBIL Score: 600+ Yes Bank credit cards kaafi flexible hote hain aur unki special offers bhi useful hain.
10. Capital First Credit Card
Required CIBIL Score: 600+ Yeh card specially un logon ke liye design kiya gaya hai jinka financial history itna achha nahi hai.
Conclusion
Humne dekha ki kaise aap low CIBIL score par bhi suitable credit cards hasil kar sakte hain. Chunaav karte waqt aapko apne financial needs aur card features ko dhyan mein rakhna chahiye. Ek sahi credit card na sirf aapko cashless transactions ki suvidha deta hai balki aapke credit score ko bhi improve karne mein madad karta hai.
Apne CIBIL score ko improve karne ke liye regular payments aur utilization ratio ko dhyan mein rakhna zaroori hai. Toh aaj hi apne liye best card chuniye aur financial freedom ki taraf badhiye.
FAQs
1. CIBIL score kya hota hai?
CIBIL score aapki creditworthiness ko dikhata hai. Yeh 300 se 900 ke beech hota hai.
2. Kya low CIBIL score wale logon ko credit card mil sakta hai?
Haan, kuch banks aur financial institutions low CIBIL score wale applicants ko credit cards offer karte hain.
3. Kya secured credit card ka istemal karna accha hai?
Haan, secured credit cards ka istemal aapki credit score ko improve karne mein madad karta hai ya phir aapke liye ek option hai agar aapka score low hai.
4. Kya credit card ke liye apply karne par koi charges lagte hain?
Haan, kuch banks credit cards apply karne par fees lete hain, par yeh alag-alag banks ke policies par depend karta hai.
5. Kaise jaan sakte hain ki mera CIBIL score kya hai?
Aap CIBIL ki official website par jaa kar apna score jaan sakte hain ya phir kisi third-party service ka istemal kar sakte hain.