{"id":9436,"date":"2024-09-06T18:44:20","date_gmt":"2024-09-06T13:14:20","guid":{"rendered":"https:\/\/www.ruloans.com\/blog\/?p=9436"},"modified":"2024-09-06T18:44:20","modified_gmt":"2024-09-06T13:14:20","slug":"how-can-i-get-a-credit-card-without-a-cibil-score","status":"publish","type":"post","link":"https:\/\/www.ruloans.com\/blog\/how-can-i-get-a-credit-card-without-a-cibil-score\/","title":{"rendered":"How can I get a credit card without a CIBIL score?"},"content":{"rendered":"\n<p>With a good CIBIL score, you can easily avail various financial opportunities such as opting for a credit card. But what if you do not have any CIBIL score at all? Does it mean that you cannot avail any financial opportunity at all? No, it is not required at all!<\/p>\n\n\n\n<p>A CIBIL score may smoothen the process of <strong><a href=\"https:\/\/www.ruloans.com\/credit-card\" target=\"_blank\" rel=\"noreferrer noopener\">credit card apply<\/a><\/strong> but there are ways to get a credit card without CIBIL score too.\u00a0<\/p>\n\n\n\n<p>Let&#8217;s dive into what a CIBIL score is, why banks check it before issuing a credit card, and how you can still get one even if you don\u2019t have a CIBIL score.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.ruloans.com\/blog\/how-can-i-get-a-credit-card-without-a-cibil-score\/#What_is_a_CIBIL_Score\" >What is a CIBIL Score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.ruloans.com\/blog\/how-can-i-get-a-credit-card-without-a-cibil-score\/#Why_do_banks_check_your_CIBIL_score_before_issuing_you_a_credit_card\" >Why do banks check your CIBIL score before issuing you a credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.ruloans.com\/blog\/how-can-i-get-a-credit-card-without-a-cibil-score\/#Can_I_get_a_credit_card_without_having_a_CIBIL_Score\" >Can I get a credit card without having a CIBIL Score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.ruloans.com\/blog\/how-can-i-get-a-credit-card-without-a-cibil-score\/#How_to_build_credit_history_to_improve_CIBIL_score\" >How to build credit history to improve CIBIL score<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_CIBIL_Score\"><\/span><strong>What is a CIBIL Score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A CIBIL score is a three-digit numerical representation of your credit history, typically ranging from 300 to 900. The higher your score, the better your creditworthiness. It&#8217;s calculated based on various factors like your repayment history, outstanding debts, and credit inquiries. Banks and financial institutions use this score as a benchmark to evaluate your reliability when approving loans or credit card apply online requests.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_do_banks_check_your_CIBIL_score_before_issuing_you_a_credit_card\"><\/span><strong>Why do banks check your CIBIL score before issuing you a credit card?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Banks give a lot of weightage to your CIBIL score while evaluating the risk of lending money to you through a <strong><a href=\"https:\/\/www.ruloans.com\/personal-loan\" target=\"_blank\" rel=\"noreferrer noopener\">personal loan<\/a><\/strong> or credit card. A high CIBIL score tells banks that you handle credit well and make regular payments and hence, are a low-risk borrower. Conversely, if you have a poor cibil score or no credit history, banks interpret it as there being no track record for repaying debt, making you a higher risk customer for credit card and loan products.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_I_get_a_credit_card_without_having_a_CIBIL_Score\"><\/span><strong>Can I get a credit card without having a CIBIL Score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yes, you can get a credit card without CIBIL score can seem an obstacle but you can always look at few options which makes it possible getting a credit card:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Secured Credit Cards<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\"><\/ol>\n\n\n\n<p>A secured credit card is the easiest way to get a card if you do not have a CIBIL score. This type of card requires you to put forward a security deposit when you apply. This deposit then becomes your collateral. As the risk for the lender is minimised with this deposit, you are likely to see your application get approved. Over time, responsible usage and timely repayments will help build a good credit history.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Add-On Cards<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\" start=\"2\"><\/ol>\n\n\n\n<p>Another alternative is to opt for an add-on card if a family member already owns a credit card with a good credit score. You can use a secondary or supplementary card in your bank account. As the primary cardholder is liable for payments, you can usually get an add-on credit card without a CIBIL score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Credit Card Against Fixed Deposit<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\" start=\"3\"><\/ol>\n\n\n\n<p>Some banks provide credit cards against fixed deposits. In this case, you have to pledge a fixed deposit as collateral with the bank, and in return of that you will be issued a credit card with the limit of up to 80-85% of your deposit. Since the fixed deposit reduces the bank\u2019s risk it is willing to provide you credit card even if you have low CIBIL score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Credit Card Against Salary Account<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\" start=\"4\"><\/ol>\n\n\n\n<p>If you have a stable job and a salary account with a bank, you might qualify for a credit card as per your regular income. Many banks offer credit card apply deals to salary account holders on the basis of their steady income rather than their CIBIL score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_build_credit_history_to_improve_CIBIL_score\"><\/span><strong>How to build credit history to improve CIBIL score<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>While it\u2019s possible to get a credit card without CIBIL score, it\u2019s essential to start building your credit history to so you can improve your CIBIL score. Here are a few tips to get started:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Apply for a Small Loan<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\"><\/ol>\n\n\n\n<p>If you really want to build your credit, you can also take a small loan and pay all of them in time these loans will help you to be credit worth and will gradually improve your CIBIL.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Pay Bills on Time<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\" start=\"2\"><\/ol>\n\n\n\n<p>Even if you don\u2019t have a credit card or loan, paying your utility bills, rent and other regular expenses on time can help you build a good credit history. Some service providers report your payment history to credit bureaus, which can positively impact your CIBIL score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Monitor Your Credit Report<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\" start=\"3\"><\/ol>\n\n\n\n<p>It is essential to check your credit report for errors or discrepancies periodically. Mistakes could lower your score. The sooner you know about them, the quicker you can improve your credit health. To check your CIBIL score and check Credit Score Free can be quickly done through multiple platforms, ensuring that your credit information is accurate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Final Words!<\/strong><\/h3>\n\n\n\n<p>If you want to check free CIBIL score or explore options for your finances, Ruloans is your one-stop solution. As India\u2019s Leading Loan Distributor, we offer you a wide range of loan products, including personal and <strong><a href=\"https:\/\/www.ruloans.com\/business-loan\" target=\"_blank\" rel=\"noreferrer noopener\">business loans<\/a><\/strong> (MSME loans), <a href=\"https:\/\/www.ruloans.com\/loan-against-property\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>loans against property<\/strong><\/a>, <strong><a href=\"https:\/\/www.ruloans.com\/home-loan\" target=\"_blank\" rel=\"noreferrer noopener\">home loans<\/a><\/strong>, <strong><a href=\"https:\/\/www.ruloans.com\/education-loan\" target=\"_blank\" rel=\"noreferrer noopener\">education loans<\/a><\/strong>, <strong><a href=\"https:\/\/www.ruloans.com\/car-loan\" target=\"_blank\" rel=\"noreferrer noopener\">car loans<\/a><\/strong>, auto loans, and more. We also provide mutual funds investment, <strong><a href=\"https:\/\/www.ruloans.com\/insurance\/all-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">insurance<\/a><\/strong>, and credit cards to handle all your financial profiling.<\/p>\n\n\n\n<p>And that\u2019s not all\u2014when you work with us as a Bank DSA Agent, you\u2019ll get attractive on-time commissions (payouts) for the loan disbursed in your account. With 265+ top tier banks, NBFC\u2019s &amp; financial institutions and a network of 25,000+ distributor partners, Ruloans being India\u2019s largest loan distributor is the perfect place for you. Registering as a <strong><a href=\"https:\/\/www.ruloans.com\/become-partner\" target=\"_blank\" rel=\"noreferrer noopener\">Loan DSA Agent<\/a><\/strong> is now easier than ever with our <strong><a href=\"https:\/\/ruconnect.in\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ruconnect App<\/a><\/strong>. It\u2019s fast and convenient. Register now to start earning!<\/p>\n\n\n\n<p>At <strong><a href=\"https:\/\/www.ruloans.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ruloans<\/a><\/strong>, we help you borrow right! With our <strong><a href=\"https:\/\/www.ruloans.com\/check-your-cibil-score\" target=\"_blank\" rel=\"noreferrer noopener\">CIBIL Score Check Online<\/a><\/strong>, you can know where you stand today and take steps to improve your credit score. Remember, it&#8217;s never too late to start building a better financial future.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>With a good CIBIL score, you can easily avail various  [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":9437,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"footnotes":""},"categories":[72],"tags":[340,358],"class_list":["post-9436","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card","tag-cibil-score","tag-credit-card"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"admin","author_link":"https:\/\/www.ruloans.com\/blog\/author\/admin\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.ruloans.com\/blog\/credit-card\/\" rel=\"category tag\">Credit Cards<\/a>","rttpg_excerpt":"With a good CIBIL score, you can easily avail various [...]","_links":{"self":[{"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/posts\/9436","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/comments?post=9436"}],"version-history":[{"count":0,"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/posts\/9436\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/media?parent=9436"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/categories?post=9436"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/tags?post=9436"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}