American Express Credit Cards are getting approved for Non Serviceable Locations - (High Chances)

[BVCBVC is verified member.]

Hi TF Folks,

Amex is approving their cards in Tier 2, Tier 3 Cities and some rural Pin codes as per my experience. I have used referrals within family and friends and got approved.

Scenario 1: I have shared my Plat Charge Card Supplementary Card to my family member and they completed VKYC and their supplementary card got approved later on tried to apply individual Plat Travel card on their name and it got approved without VKYC as the VKYC is already done. (There was no CIBIL hit)

Scenario 2: As Scenario 1 worked I shared my referral link to one of my friend who comes in Tier 3 city of Andhra Pradesh and he doesn't have any Amex relationship or Supplementary card, he tried for MRCC card with my referral and it got approved for him.

In both the cases Aadhar location and Office location both are non serviceable locations and are from Tier 3 cities only.

Earlier Bestbanker was saying he can get Plat Cards (Plat Charge, Plat Travel, Plat Reserve) for Non Serviceable locations but Seems Amex is increasing their serviceable locations silently. Just try your luck. This is my experience but post your story if you guys are trying out.

**Please Note: Try at your own risk of CIBIL hit.

 

[pythonlover]

I tried applying and the reply from amex :/

​

​ [td] Dear Arjun,​ ​

​

[/td]

​

​ [td] Thank you for your interest in applying for American Express® Platinum Travel Credit Card. After reviewing your application, we have determined that your current location doesn't meet our eligibility criteria. As a result, we are not able to process your application. At present, American Express® Cards and services are only offered in select cities. We are constantly expanding across new borders and encourage you to check back with us in the future to see if we are issuing Cards in your city. We appreciate your understanding.​ ​

​

[/td]

​

Did they do a CIBIL check before rejecting the application?

 

[VasukiVasuki is verified member.]

Well if someone gets a card approved in Patna, kindly update here. Thank you.

Don't try it's not 😅

 

[Andy1]

Not working, I just tried.

 

[snjn]

The above trick only works when you are pre-approved (less enquiries in last 3 months and nil enquiries from Amex in last 3 months). If you are pre-approved it will show a tentative limit and will allow VKYC. If there is no V-KYC card will not be approved in non serviceable locations. So don't try.

 

[Arjunvijesh]

Did they do a CIBIL check before rejecting the application?

No, they did not.

 

[Mr. X]

American express possible via C2C?

 

[SSV]

American express possible via C2C?

No .. I think only plat charge is available with thus facility

 

[Mr. X]

Way to get via this route?

No .. I think only plat charge is available with thus facility

 

[SSV]

Way to get via this route?

Ask bestbanker .

 

[good_old_times]

Amex does not provide service in the pincode I reside in. This is how I got my first Amex card delivered at my location.

I live in Mangalore and all my govt ID proofs are of Odisha. Neither my current residential address pincode nor my permanent residence pincode is serviced by Amex.Still to try my luck I had applied for Amex Gold charge card a month back and my application was rejected because I did not had any govt ID proof where Amex provides service.

Few days back I read an article that Amex is approving applications even to non serviceable pin codes. Though not so hopeful but I tried to get hold of Amex one more time. I applied for a Gold charge after much comparison between Gold charge and MRCC. I used the same mobile number ane email address that I used in my previous application. Because I had all my govt Od proofs were of Odisha address Inised the same to complete my application. vKYC was completed the same day and was completed without any hiccups. This time I got hopeful that my application would go through. I even got a CIBIL enquiry by Amex.

2 days passed by then 3 and then 4. I called up Amex customer care to get an update on my application. The most striking feature about Amex before even getting hands on tje card is Amex customer care. It is so good and they treat their customers with so professionalism and friendliness that you really feel you are getting a great experience. Reward chahe kuch v ho but customer care will make u belief u r special. Anyways coming to the point, customer care said the standard TAT for credit card application in 21 days. That was veey very disapointing though. And dhen they asked me to wait. Anyways I was not so desparate for the card so I just ignored taking any more updates and waited. Then after almost a week I got a mail that my Amex credit card application is approved and it would be received in my permanent address in 3-4 days.

Now comes the best part which I really liked about Amex. I called them up and told them that I dont reside in my permanent address anymore and requested them to kindly deliver the card to my current address. Unlike any other customer care who upright deny such requests, it was a pleasant surprise that Amex gladly accepted my request. They asked me my current residential address over call. No verification of current address proof at all, no unnecessary questions or enquiries. They happily said that the card that was delovered to my permanent address would be returned back to Amex and a new card would be dispatched to my current address. And all this even before activating the card.

I happily said Thank you and I got the card delivered to my current address in 3 working days.

Happy Amex spending.

 

[sanarora]

Amex does not provide service in the pincode I reside in. This is how I got my first Amex card delivered at my location.

I live in Mangalore and all my govt ID proofs are of Odisha. Neither my current residential address pincode nor my permanent residence pincode is serviced by Amex.Still to try my luck I had applied for Amex Gold charge card a month back and my application was rejected because I did not had any govt ID proof where Amex provides service.

Few days back I read an article that Amex is approving applications even to non serviceable pin codes. Though not so hopeful but I tried to get hold of Amex one more time. I applied for a Gold charge after much comparison between Gold charge and MRCC. I used the same mobile number ane email address that I used in my previous application. Because I had all my govt Od proofs were of Odisha address Inised the same to complete my application. vKYC was completed the same day and was completed without any hiccups. This time I got hopeful that my application would go through. I even got a CIBIL enquiry by Amex.

2 days passed by then 3 and then 4. I called up Amex customer care to get an update on my application. The most striking feature about Amex before even getting hands on tje card is Amex customer care. It is so good and they treat their customers with so professionalism and friendliness that you really feel you are getting a great experience. Reward chahe kuch v ho but customer care will make u belief u r special. Anyways coming to the point, customer care said the standard TAT for credit card application in 21 days. That was veey very disapointing though. And dhen they asked me to wait. Anyways I was not so desparate for the card so I just ignored taking any more updates and waited. Then after almost a week I got a mail that my Amex credit card application is approved and it would be received in my permanent address in 3-4 days.

Now comes the best part which I really liked about Amex. I called them up and told them that I dont reside in my permanent address anymore and requested them to kindly deliver the card to my current address. Unlike any other customer care who upright deny such requests, it was a pleasant surprise that Amex gladly accepted my request. They asked me my current residential address over call. No verification of current address proof at all, no unnecessary questions or enquiries. They happily said that the card that was delovered to my permanent address would be returned back to Amex and a new card would be dispatched to my current address. And all this even before activating the card.

I happily said Thank you and I got the card delivered to my current address in 3 working days.

Happy Amex spending.

hi could u share the number on which you called since i have completed my Video KYC its been 5 days & there is no mail or communication from their end. just wanted to call & check with them..

 

[good_old_times]

hi could u share the number on which you called since i have completed my Video KYC its been 5 days & there is no mail or communication from their end. just wanted to call & check with them..

Cust care: 18004192122.

 

[manideep77]

Cust care: 18004192122.

Even I am waiting for more than 5 days on my application status. Will call and check

 

[Aizen Sosuke]

The above trick only works when you are pre-approved (less enquiries in last 3 months and nil enquiries from Amex in last 3 months). If you are pre-approved it will show a tentative limit and will allow VKYC. If there is no V-KYC card will not be approved in non serviceable locations. So don't try.

How do we check/know we are pre-approved? I didn't have any cibil enquiries in the past 3 months

 

[Saiv]

I read somewhere & tried, they’re accepting non serviceable pin codes not just cities but village pin codes also.

So i applied & voila it accepted my aadhar pin code which is from a village.

My question is, while applying it said no need of income documents, so will they do office verification!

People who know my existence in this forum will know the kinda embarrassment I’ve gone through for office verification by Idfc so i don’t want to repeat those that’s why!

I didn’t completed VkYc to confirm the same.

 

[TheTrickySid]

People who know my existence in this forum will know the kinda embarrassment I’ve gone through for office verification by Idfc so i don’t want to repeat those that’s why!

Sounds interesting. Please share link 😅

 

[Mr. BeanMr. Bean is verified member.]

I read somewhere & tired now they’re accepting non serviceable pin codes not just cities but village pin codes also.

So i applied & voila it accepted my aadhar pin code which is from a village.

My question is, while applying it said no need of income documents, so will they do office verification!

People who know my existence in this forum will know the kinda embarrassment I’ve gone through for office verification by Idfc so i don’t want to repeat those that’s why!

I didn’t completed VkYc to confirm the same.

I don't have Amex. But, if you want better answers, always put the question on the title and as the last line of your post. Your entire post looks like you just want to share the happy news that you can apply from non-serviceable pin code.

Currently, your question is right in the middle of the post with an exclamation mark!!!

Good luck!

 

[SSV]

My question is, while applying it said no need of income documents, so will they do office verification

Largely NO, rarely YES.. it depends on the profile

 

[akash2401akash2401 is verified member.]

I read somewhere & tired now they’re accepting non serviceable pin codes not just cities but village pin codes also.

So i applied & voila it accepted my aadhar pin code which is from a village.

My question is, while applying it said no need of income documents, so will they do office verification!

People who know my existence in this forum will know the kinda embarrassment I’ve gone through for office verification by Idfc so i don’t want to repeat those that’s why!

I didn’t completed VkYc to confirm the same.

Not done for me... They do it very rarely....

 

[dealminer]

They didn't do any verification for me though.

it said no need of income documents

Neither this was the case.
I applied and was asked for vkyc that's it.