Income while applying credit card

[yb24]

What income should I mention while applying sbi credit card.i am getting 18k salary and also have sbi account but salary credit in hdfc ,what limit could I expect and if I didn't get the expected limit and I don't activate the credit card

 

[Lordkk]

Do you have any other card?

 

[yb24]

Do you have any other card?

Yes idfc wow-25k and axis flipkart -15k

 

[Lordkk]

If your HDFC MAB is around 20k in the last few months mention you salary as 420000. And give statement if they ask for proof. You will be safe

 

[yb24]

For sbi credit card and what limit can I expect?

If your HDFC MAB is around 20k in the last few months mention you salary as 420000. And give statement if they ask for proof. You will be safe

 

[Lordkk]

For sbi credit card and what limit can I expect?

Nothing is sure but don't expect much limit form SBI since your max limit is only 25k. I guess it will be around 20k.

One more thing Apply SBI cashback card if you are applying online. They are seems to be giving more limit to cashback card if it is your first SBI card.

 

[yb24]

And if I don't activate the card on low limit will it reflect in my cibil?

Nothing is sure but don't expect much limit form SBI since your max limit is only 25k. I guess it will be around 20k.

One more thing Apply SBI cashback card if you are applying online. They are seems to be giving more limit to cashback card if it is your first SBI card.

 

[Lordkk]

And if I don't activate the card on low limit will it reflect in my cibil?

No the credit card will not show on CIBIL without activation

 

[VasukiVasuki is verified member.]

What income should I mention while applying sbi credit card.i am getting 18k salary and also have sbi account but salary credit in hdfc ,what limit could I expect and if I didn't get the expected limit and I don't activate the credit card

Never try to get cc on your salary as limit consideration
Get those cards which need employment details but not want income doc .
Avoid those early

Since u have low limit 30k ish

I will suggest to do fd of 1-2 lakh if u can or try to get l.e in one of your card .

So if you get say 1 lakh highest limit on axis .
When u will apply say kotak , induslnd or hdfc etc
They will give u minimum 70k + limit
Sbi is exception ..

So your focus should be on getting high limit Pre approved card or Do fD & get high limit card.
No one will tell u this 😂 but if u observe this is the case for all ..


*

 

[VasukiVasuki is verified member.]

What income should I mention while applying sbi credit card.i am getting 18k salary and also have sbi account but salary credit in hdfc ,what limit could I expect and if I didn't get the expected limit and I don't activate the credit card

Never try to get cc on your salary as limit consideration
Get those cards which need employment details but not want income doc .
Avoid those early

Since u have low limit 30k ish

I will suggest to do fd of 1-2 lakh if u can or try to get l.e in one of your card .

So if you get say 1 lakh highest limit on axis .
When u will apply say kotak , induslnd or hdfc etc
They will give u minimum 70k + limit
Sbi is exception ..

So your focus should be on getting high limit Pre approved card or Do fD & get high limit card.
No one will tell u this 😂 but if u observe this is the case for all ..


* you can mark it answer if u got all ur answers 😁

 

[Lordkk]

Once was enough doc. 🤣 You are saying the same thing twice

 

[yb24]

But bro I don't want to do fd my money is invested in market already so tell me another solution

Never try to get cc on your salary as limit consideration
Get those cards which need employment details but not want income doc .
Avoid those early

Since u have low limit 30k ish

I will suggest to do fd of 1-2 lakh if u can or try to get l.e in one of your card .

So if you get say 1 lakh highest limit on axis .
When u will apply say kotak , induslnd or hdfc etc
They will give u minimum 70k + limit
Sbi is exception ..

So your focus should be on getting high limit Pre approved card or Do fD & get high limit card.
No one will tell u this 😂 but if u observe this is the case for all ..


* you can mark it answer if u got all ur answers 😁

 

[yb24]

But bro I don't want to do fd my money is invested in market already so tell me another solution

I did the fd of 50k for pnb cards but there services were so great that I had to close that card but that card is still showing on my cibil

 

[VasukiVasuki is verified member.]

But bro I don't want to do fd my money is invested in market already so tell me another solution

Already mentioned ..
Try to get high limit pre approved offer .
Then apply other cards

 

[VasukiVasuki is verified member.]

I did the fd of 50k for pnb cards but there services were so great that I had to close that card but that card is still showing on my cibil

Icici fd card is the best bcz u get apay easily

 

[s1t2y3a3m6]

What income should I mention while applying sbi credit card.i am getting 18k salary and also have sbi account but salary credit in hdfc ,what limit could I expect and if I didn't get the expected limit and I don't activate the credit card

What ever you put annual income doesn't matter but never put below 4.5 lakh. If your credit profile needed an income proof then just send your salary slip. No matter if it would less than the annual income you put in application form. Your will get credit limit according to that proof.

If you application approve without income proof then you would get better limit.

 

[yb24]

Icici fd card is the best bcz u get apay easily

I can do 1lakh fd for 2-3 months only will it help or should i maintain 1 lakh in icici bank ACC

 

[VasukiVasuki is verified member.]

I can do 1lakh fd for 2-3 months only will it help or should i maintain 1 lakh in icici bank ACC

Have you ever applied for apay

 

[yb24]

Have you ever applied for apay

No will apply on 24 March on my bday as my age will become 21

 

[akshayhs]

What income should I mention while applying

18k.

what limit could I expect

20k /s