‘Hello, I am calling from XYZ bank. Would you like a credit card?’ This is without a doubt India’s most heard statement. Most of us are used to the frequent calls, text messages from banks. Quite often, people agree with the persuasion and apply for a credit card. They are quite useful when you are low on cash and the process is simple too. You swipe it across the machine and that is it. While these cards are a great offering to prevent defaulters, most banks have strict criteria as to who is eligible. If you are planning to apply, here are a few things you need to keep in mind.