If you keep on switching jobs frequently, it may have a negative impact on your credit score. Job stability: While it’s very important to have a source of regular income to get a credit card, the stability of your job can also be a determining factor for you.However, you must ensure that you use them with discretion and do not miss out on repaying the debts on your existing credit card(s) because that might be a red signal for the bank when it judges your worthiness for the new credit card. Existing credit card balance: Having two or three credit cards can actually work in your favour since it suggests that you have the ability to manage the debts comfortably.Generally, lenders prefer individuals who have a credit score of over 750. The credit score is a reflector of your credit worthiness and it depends on your credit history. Maintaining a healthy credit score is of primary importance for getting a credit card. Credit score: This is the most important thing that the bank will look for as soon as you apply for a credit card.If you are too young, it may actually work against you since you are unlikely to possess a healthy credit history and therefore, a good credit score - a criterion that is crucial for you in securing a credit card. In most cases, you need to be in the age bracket of 21 – 60 years (65 for self-employed persons). Age: It’s one of the most basic factors that you need to consider before applying for an HDFC Bank credit card.There are several factors that have a considerable impact on your eligibility for an HDFC Bank credit card. Corporation Bank Credit Card Eligibilityįactors that affect your HDFC Bank Credit Card Eligibility.

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