Advice for applying for a credit card under C2C route

[damn]

I am an undergrad student pursuing btech (last year). I got a job that pays me Rs 26500 per month (negotiated such that I don't have to pay tax). I am currently in possession of the following credit cards:

1. Indian Bank Rupay Select - Rs 5 lakh
2. SBI Prime - Rs 80k
3. OneCard - Rs 5.5 lakh

As per advice given to me in my previous post (Previous post), I tried the following:

1. Applied Amex - Straight declined
2. Indusind - Pincode not servicable
3. IDFC - not accepting high limit cards; only SBI Prime

I request your guidance in order to apply to a few new cards under c2c/c4c route; I need more since I will be leaving for my higher education within next 1 year, so want to collect some good and useful credit cards that I can use there until I settle there.

PS - I do have an ICICI Amazon credit card offer on app, but I am not sure if it will be approved at one go or not

 

[ChurningNoob]

negotiated such that I don't have to pay tax

Not going to help with cc but what do you mean by this?

 

[Fini7777]

I am an undergrad student pursuing btech (last year). I got a job that pays me Rs 26500 per month (negotiated such that I don't have to pay tax). I am currently in possession of the following credit cards:

1. Indian Bank Rupay Select - Rs 5 lakh
2. SBI Prime - Rs 80k
3. OneCard - Rs 5.5 lakh

As per advice given to me in my previous post (Previous post), I tried the following:

1. Applied Amex - Straight declined
2. Indusind - Pincode not servicable
3. IDFC - not accepting high limit cards; only SBI Prime

I request your guidance in order to apply to a few new cards under c2c/c4c route; I need more since I will be leaving for my higher education within next 1 year, so want to collect some good and useful credit cards that I can use there until I settle there.

PS - I do have an ICICI Amazon credit card offer on app, but I am not sure if it will be approved at one go or not

How old is your credit history?

 

[damn]

How old is your credit history?

Almost 3 years

 

[damn]

Not going to help with cc but what do you mean by this?

I take low salary so that I don't trigger tax

 

[rrsji]

how one apply C2C?
I don't know the process. Please guide

 

[jetesh]

how one apply C2C?
I don't know the process. Please guide

C2C is only possible when your CIBIL score is 770 or more.

 

[rrsji]

790

C2C is only possible when your CIBIL score is 770 or more.

790
from last 8-9 years

 

[ChurningNoob]

I take low salary so that I don't trigger tax

Dude that's a scam employers play to give low salary. Even if you pay taxes you can claim those based on deductions plus when you switch jobs they will increase your salary based on current so rethink about this

 

[Vasuki]

I take low salary so that I don't trigger tax

Did you skip basic maths class 😂

Upto 7 lakh u can claim deduction
U can give rent to your parents -& what not

Very bad justification u have
Anyways
C2C

Apply
Axis,hdfc ,icici , sbi 2nd card , indusind etc
For pincode u have to take care of that
U can apply pnb ,Bob etc too

 

[damn]

Dude that's a scam employers play to give low salary. Even if you pay taxes you can claim those based on deductions plus when you switch jobs they will increase your salary based on current so rethink about this

Don't worry, I just wanted the experience of working; not interested in the money right now. As for the salary, I can get it increased if required.

 

[damn]

Did you skip basic maths class 😂

Upto 7 lakh u can claim deduction
U can give rent to your parents -& what not

Very bad justification u have
Anyways
C2C

Apply
Axis,hdfc ,icici , sbi 2nd card , indusind etc
For pincode u have to take care of that
U can apply pnb ,Bob etc too

My bad; remembered 3 lakh or something was limit; no worries
I don't need the income; I have enough; doing this for work experience
These banks, do I go offline route or they do c2c online?

 

[ChurningNoob]

Don't worry, I just wanted the experience of working; not interested in the money right now. As for the salary, I can get it increased if required.

You are either too rich or too stupid.

 

[Vasuki]

My bad; remembered 3 lakh or something was limit; no worries
I don't need the income; I have enough; doing this for work experience
These banks, do I go offline route or they do c2c online?

Some are indirect C2C some are direct

Icici offline C2C
Hdfc too
Axis too

Sbi indirect
Indusind direct via agent

 

[rrsji]

so for offline process in case of C2C, we have to go bank, find an agent there and tell them to apply card on C2C basis

Does anyone have experience obtaining premium LTF via the C2C method?

 

[Viper1057]

I take low salary so that I don't trigger tax

Bro justifies like bro has a option lol 🌚🌚

I am same age as yours aur jitna tm salary me lerhe ho utna me monthly tax bharha hu apni salaried job mein 😉

 

[Swastik]

IDFC Select and Wealth can be applied online C2C

Others require a motivated bank employee, Axis is easy ,so is ICICI ,HDFC is difficult

 

[rrsji]

IDFC Select and Wealth can be applied online C2C

Others require a motivated bank employee, Axis is easy ,so is ICICI ,HDFC is difficult

which one would you suggest me to apply, I have ICICI sapphiro/Apay with 4L limit

 

[rrsji]

IDFC Select and Wealth can be applied online C2C

Others require a motivated bank employee, Axis is easy ,so is ICICI ,HDFC is difficult

major purpose is to gain rewards and secondary purpose is railway lounge

 

[damn]

Bro justifies like bro has a option lol 🌚🌚

I am same age as yours aur jitna tm salary me lerhe ho utna me monthly tax bharha hu apni salaried job mein 😉

Good to know your opinion; however, please remember we are not in the same place
I say what I say because I know it can be done