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Amex MRCC and Platinum Travel rejected instantly

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M

mudroch

TF Neo
Hey everyone,

I'm 21, recently applied for Amex Platinum Travel Card (currently residing in Bangalore) and my application was rejected instantly on the website, then I applied for MRCC since I thought that might have a lower criteria, yet it got rejected, I've not been given any clear reason from AMEX's side. My yearly income is between 30-60 LPA so I dont think income would be an issue, my CIBIL score is 765 (which I suppose is not good, but I think good enough for MRCC), can anyone guide me through this? How can i go about finding out the reason as well as getting an AMEX credit card?

P.S. I've recently only applied for HDFC Swiggy and Axis Flipkart Card, got done wth their video kyc process today.
 
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mudroch said:
Hey everyone,

I'm 21, recently applied for Amex Platinum Travel Card (currently residing in Bangalore) and my application was rejected instantly on the website, then I applied for MRCC since I thought that might have a lower criteria, yet it got rejected, I've not been given any clear reason from AMEX's side. My yearly income is between 30-60 LPA so I dont think income would be an issue, my CIBIL score is 765 (which I suppose is not good, but I think good enough for MRCC), can anyone guide me through this? How can i go about finding out the reason as well as getting an AMEX credit card?

P.S. I've recently only applied for HDFC Swiggy and Axis Flipkart Card, got done wth their video kyc process today.
Click to expand...
did you check their eligibility criteria below and see if you're missing any? If you feel you qualify goto him @BestBanker He works for Amex
 

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Hell_Kitty said:
did you check their eligibility criteria below and see if you're missing any? If you feel you qualify goto him @BestBanker He works for Amex
Click to expand...
thanks a lot for the reply and the referral, i do full fill their criteria as mentioned in the doc, although my permanent address (on my aadhar) is not of a metro city, however ive recently moved to bangalore for job and thats the address i filled in my application form. One thing that i forgot to mention was that I do have a student loan of ~17L, the repayment period of which doesnt start till next year, could that hinder my application?
 
mudroch said:
thanks a lot for the reply and the referral, i do full fill their criteria as mentioned in the doc, although my permanent address (on my aadhar) is not of a metro city, however ive recently moved to bangalore for job and thats the address i filled in my application form. One thing that i forgot to mention was that I do have a student loan of ~17L, the repayment period of which doesnt start till next year, could that hinder my application?
Click to expand...
So you need to update your Aadhaar and reapply. That’s the way forward. Amex is very strict about address verification and doesn’t entertain non compliance
 
damn i didnt know this, i have rented a place here in blr and will probably move to a new one in a few months so dont wanna update my aadhar just yet, is it not possible to send AMEX a rent agreement of my current place or something?
 
mudroch said:
damn i didnt know this, i have rented a place here in blr and will probably move to a new one in a few months so dont wanna update my aadhar just yet, is it not possible to send AMEX a rent agreement of my current place or something?
Click to expand...
Except Aadhar, Passport, DL and Voter card I don't think Amex considers anything else for address proof. Rental agreement is a past thing. It is no longer a legal address proof.
 
Hello @BestBanker could you please help me with my mrcc application ,
Application Number : 20243096901840INR My cibil score is 822 & I am well over the eligibility criteria. Thank you so much!
 
Hii @BestBanker
MRCC Application- Repeated upload documents issue

Application reference no. 20242666901369INR

Salaried individual.Uploaded bank statement and salary slips.
Joined the company in this financial year. So No form 26AS/ Form 16 of last year
 
gilgamesh said:
I want to apply for MRCC. Would you be kind enough to DM me?
Click to expand...

- serviceable location and adress proof either in voter, dL, Passport or Aadhar.

- existing credit card from any bank.

- credit score >750.

- >6L income.

- >18 years age.

thats all you need, let me know if you fulfill all, will help further
 
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