Which credit card should I get as a first-time user?
Mahesh Pai
Asked 22 Feb 2026
25
I have never owned a credit card before. Salary is ₹75,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
1 Answer
14
Akash Acharya·25 Apr 2026
Dispute process that worked for me: I called customer care within 24 hours, raised a dispute via the netbanking portal (uploading the receipt showing I never visited the merchant), and got a provisional credit in 5 working days. Permanent credit came after the bank's investigation in about 30 days.
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