Your Payment history makes up 35% of your credit score
Reset card can help. By owning a Reset card and making your monthly repayments on time, you can build positive payment history which in turns increases your credit score.
Rebuild your Credit score with Reset
Got Rejected? Low Credit Score?
No problem. Rebuild NOW
How it works
100% Digital, No Security Deposit Required
Join Reset Program
Verify your Aadhaar and PAN. Your Information is Safe and Secure with us.
Select Plan + Get Reset Virtual Card
Plans range from 3 to 9 months. Your virtual card is locked initially for 2 months.
Make monthly payments on-time
Your monthly payments are reported to all 4 credit bureaus. On-time payments help to improve your Credit score.
Unlock your card
Once you’ve paid off your monthly due, your card unlocks and the money is yours (minus interest)
Features of Reset Card
Know what makes Reset Card the perfect choice.
Made for everyone
Everyone deserves a second chance at Credit. We don't judge you for your past.
Paperless application process
Just verify your Aadhar & PAN digitally and start improving your Credit score
Track your Credit Score
Your Payment history makes up 35% of your Credit Score Reset card can help.
Learn how Reset Card works in one minute
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Benefits of Reset Card
The Reset Card benefits that count!
Build Payment History & Credit
Reset helps you establish payment history, which is key to building credit.
Easy Application
No salary slip required. Just verify your Aadhar and PAN.
No security required
Unlike Gold loans or Secured Credit Cards, we don't take any form of security like Fixed Deposit or Gold from you.
Got Questions?
We can help you out! Read below.
What is Reset Card?
The RedCarpet Reset Card is a way to improve your Credit Score by making small on-time payments every month. We report these on-time payments to Credit Bureaus. On-time payments are good credit behaviour and they improve your Credit Score.
Can I get Reset Card if I have a Bad Credit Score or if I have NO Credit Score?
Yes, we have built Reset Card specifically for people with Low Credit Score or NO Credit Score. You just need to verify your PAN and Aadhar number.
How does my Credit Score improve?
Every on-time monthly payment you do is reported to credit bureaus. They see on-time payments as good financial behaviour and reward you by increasing your Credit Score.
How much does my Credit Score increase?
Our estimates for increase in Credit Score are X for the 3 month plan and Y for the 12 month plan. Of course, no one can guarantee this since your Credit Score is decided by credit bureaus on a variety of factors. You'll also have to make sure you make every payment on-time. Please don't make late payments or too many credit inquires or any other bad credit behaviour as that might lead to credit bureaus reducing your credit score.
Is the Reset Card Program for me?
If you dream of owning a home, buying a car, or simply getting approved for loans at better interest rates, a good credit score is the key. If you need a safe and easy way for building credit — our Reset Card Program is for you.
How do I get my money back?
Your money is unlocked in the RedCarpet Reset Virtual Card. You can use the Virtual Reset Card to spend the unlock amount. It is a Mastercard that can be used for online transactions. Popular places to use it might be online shopping or online payments.
When do I receive my money back?
You get unlock amount within 24 hours after the due date if you make on time payments.
What if I stop paying the monthly payments?
We highly recommend not doing that. It will reduce your Credit Score even more because credit bureaus will see that you're not making on time payments. Seeing this bad credit behaviour, they'll reduce your Credit Score.
How long until I can expect to see results on my credit score?
We report to bureau every month. However, as a new client, it can take up to 90 days until you see a new product on your tradeline.