I had a simpl account long time ago, they offer me 15k limit without pan or addhar, without any kyc … Idk how they works… Even that not showing on credit score also… Now i deactivate the service because their only 15 days waiting periods… Anybody have idea how they works?
5 Likes
Same here . No idea how they work. They have limited companies to use their services
1 Like
Jupiter has become soo soo fast after the latest update. Kudos to Jupiter team.
4 Likes
I also use Simpl Pay later. I have a limit of 20000. As you mentioned, one drawback of Simpl (earlier) is that they provide only 15 days for clearing the outstanding bill. Additionally, they recently started charging convenience fees for mobile recharges. So, I am considering closing my Simple account.
4 Likes
I think the biggest drawback of simpl is the lack of dedicated phone support which is very important at the time of any unexpected fraud or for any urgent issues.
Simpl is the only Bnpl app i am currently using because of Repayment via CC… Rest all bnpl accounts closed
2 Likes
I still use Amazon paylater just to have a loan in my credit history 
Credit card will increase credit score more because of multiple inbuilt parameters like credit utilisation ratio, repayment, credit age… etc
@Abhinav_Goyal
3 Likes
Maybe it is his oldest credit account. So if he closes it his credit score will drop.
3 Likes
My first one was onecard FD. I have an unsecured CC now.
I was not getting any unsecured CC before taking the paylater. Now I suspect credit mix might be something that bank algos look before providing a CC. Just an experiment from my side .
2 Likes
Thanks @lakshit . I tried using the app . Many features are missing (early access) but I love the interface. It is minimalistic. Feels like they have taken some inspiration from apps of Neobanks 
The app looks promising 
I hate that the app crashes if developer mode is enabled in android 
3 Likes
Never had any hidden charges.
Not sure if there is any 
3 Likes
They should launch the app like this for main app too with all the features.
2 Likes
I think they are going to replace the existing kotak app with this one in the future
2 Likes
I just got the update. Now jupiter app to other app like -
2 Likes
11 posts were merged into an existing topic: Jupiter international Transfer 
Hey i need your help. So basically i am 19 y.o and its been 5 months since I have my secured card. I am trying for unsecured credit card but no bank is giving me. Any idea on how can i get my unsecured credit card ?
3 Likes
@Devansh_Bartwal
First thing is, we are not above age 21.
Second thing is, we are not salaried persons and not even filing ITR.
So chances are very low.
4 Likes
@Devansh_Bartwal
From what my understanding is lenders usually do not like to give credit cards based on credit score to those with secured credit cards (especially with low limits).
If you had an unsecured card instead that would mean there is at-least one bank which is trusting you, so they can also take the risk.
Which is easier for underwriters to justify the approval.
Otherwise you might need to show some income docs or/and have a high MAB.
4 Likes
@Devansh_Bartwal As Kiran answered 21 is the minimum age requirement for many bank CCs.
Other possible way is to have an account with the banks. I have seen people getting pre-approved offers from HDFC and Kotak 811
If you get a good credit limit on a CC, you can do C2C to get other CC . (HDFC gives LTF cards on C2C, with vintage of 6 months)
Usually approval rates are quite high if you apply for a CC at the end of the financial year.
For cobranded CC by axis, I have no idea how people are getting the CC. My father and all my neighbours are having ace banner on GPay .
Cobranded ones are easy to get.
I recieved airtel axis eventhough I had no job. I applied for the CC and stopped half way between, then the customer care called me to complete my application. I had checked my credit score in airtel thanks app before.
I hope someone can give better explanation in it 
4 Likes