·5 min read·CardHungry Editorial
Secured vs Unsecured Credit Cards in India
FD-backed secured credit cards vs regular unsecured cards — who should choose which, and how they build CIBIL.
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Secured cards link your limit to a fixed deposit. If you default, the bank adjusts against the FD. After 6–12 months of on-time payments, many users graduate to unsecured cards with stronger CIBIL profiles.
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CIBIL Score & Credit Card Eligibility: What Banks Actually Check
A 720 CIBIL score doesn't guarantee approval — banks weigh income, utilization, and inquiry history too.
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