Which credit card should I get as a first-time user?
Shanaya Reddy
Asked 5 Mar 2026
25
I have never owned a credit card before. Salary is ₹60,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
1 Answer
7
Chirag Yadav·3 Apr 2026
I closed my HDFC card last year. The process took exactly 7 days. They sent a confirmation email and a closure letter by speed post. Tip: pay off the full outstanding and request closure only AFTER the payment reflects. Calling repeatedly with a zero balance is the fastest path.
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