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Omozing Answers › Credit cards
Written by the Omozing Credit Team · Reviewed for accuracy by our credit and compliance team · Updated October 2026
You open a fixed deposit with the bank, and the bank issues a card with a limit linked to that deposit. The issuer decides what share of the deposit becomes your limit. The deposit usually keeps earning interest, but it is held as security: if you don’t pay your card bill, the bank can recover the dues from it. From the bureau’s point of view, though, you are simply a cardholder with a limit, a balance and a payment record. That record is what builds your score.
Say you put ₹50,000 in a fixed deposit and the issuer gives you a ₹40,000 limit (an illustrative figure; your issuer sets the actual limit). Thirty per cent of ₹40,000 is ₹12,000. That is your rough ceiling for the statement balance each month, which is less room than many people expect.
Bars drawn to scale against the ₹40,000 limit. Illustrative figures, not a real customer. Utilisation is read from the statement balance, so a ₹36,000 statement shows 90% even if you pay it in full.
The fix is easy: put only a phone bill or a streaming subscription on the card, or make a part-payment before the statement date if you have a big month. Why 30% matters.
If your report shows NH or -1, a secured card is one of the simplest ways to start a file. Building from zero.
When unsecured cards are hard to get, a secured card lets you add clean months to your report while old entries age. The rebuild timeline.
If you have an active card in good standing, another card adds little. Use the one you have well.
The FD is tied up while the card is open. Don’t use money you may need for an emergency.
Once your report shows a score and several clean months, ask your bank about an unsecured card or apply for one, and keep the secured card open for a while so its history stays active. When you need a personal loan, Omozing considers salaried applicants with a score from 600 and a take-home of ₹40,000 or more, and a credit officer reads your full report, including how you’ve handled that first card.
Our Credit Score Booster reviews your report and shows the steps that matter most for you.
Usually, yes. It is a credit card, and banks generally report it to the bureaus like any other card. Confirm with the issuer before you apply.
If you have no history, bureaus can usually score you after about six months of reported activity. Until then your report may show NA or 0.
The issuer links your limit to the fixed deposit and decides the exact share. Ask before you open the deposit.
Yes, and the deposit is released once all dues are cleared. Many people keep it open for a while after getting an unsecured card so the account’s history stays active. Closing a card and your score.
Usually, yes, at the bank’s deposit rate, but it is held as security while the card is open.
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Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC. Loans are subject to credit assessment. See our regulatory disclosures and grievance redressal process.