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.

 

[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.

 

[RAMESH BABU N]

Having applied, please complete the VKYC. You got nothing to lose. And, everything to gain.

 

[Saiv]

Okay i completed the VKYC but at the end agent said please click the upload button in the vkyc email link & upload the required documents it asks for income proof & employment proof, so do i have to upload or as it said earlier no need of income verification, is it not necessary?

 

[SSV]

Okay i completed the VKYC but at the end agent said please click the upload button in the vkyc email link & upload the required documents it asks for income proof & employment proof, so do i have to upload or as it said earlier no need of income verification, is it not necessary?

You have to upload whatever is asked for in the vkyc email

 

[Boy 07]

You have to upload whatever is asked for in the vkyc email

I applied the card as my office is serviceable pincode
I got rejected and got an email attaching
Can you tell me what is the reason it's due to Cibil or aadhar address not sourceable?

 

[Saiv]

You have to upload whatever is asked for in the vkyc email

Thing is i forgot that i’ve to upload documents because of hectic schedule(financial year & all), Today one of the Amex executive called & he said he’ll check back with the team or something & get back to me whether they can issue card without uploading any documents.

This is the convo:
confirmed few details like office, salary & residential pincode etc. so i questioned about the upload documents saga, why Amex asking me to upload income details your site mentioned no need for income docs while applying, he said internal policies & checks blah blah. So i said i can’t accept this double standards, i already hold 13 cards with 100% On time payments, with good enough limits across the cards, the only reason I applied is to hold an amex card, if you issue one i’ll use it thoroughly otherwise it’s your loss but i won’t upload any docs.

 

[RAMESH BABU N]

Thing is i forgot that i’ve to upload documents because of hectic schedule(financial year & all), Today one of the Amex executive called & he said he’ll check back with the team or something & get back to me whether they can issue card without uploading any documents.

This is the convo:
confirmed few details like office, salary & residential pincode etc. so i questioned about the upload documents saga, why Amex asking me to upload income details your site mentioned no need for income docs while applying, he said internal policies & checks blah blah. So i said i can’t accept this double standards, i already hold 13 cards with 100% On time payments, with good enough limits across the cards, the only reason I applied is to hold an amex card, if you issue one i’ll use it thoroughly otherwise it’s your loss but i won’t upload any docs.

Incorrect approach.

If you want their card, follow their procedure.

If not prepared for that, be happy with what you already have.

I suggest that you give the dox asked - as you already have them with you.

Compliance is always better than Conflict.

 

[Saiv]

Incorrect approach.

If you want their card, follow their procedure.

If not prepared for that, be happy with what you already have.

I suggest that you give the dox asked - as you already have them with you.

Compliance is always better than Conflict.

Every 2 days they’re reminding me to upload, so finally today I’ve done it, so what next? how many days it takes to approve or reject the application

it will be too weird & slap on the face if they reject now, let’s see.

 

[SSV]

Every 2 days they’re reminding me to upload, so finally today I’ve done it, so what next? how many days it takes to approve or reject the application

it will be too weird & slap on the face if they reject now, let’s see.

Depends on how far your application was left behind in the queue...
If they feel your document is upto their satisfaction as per their internal policy your application may be approved in 2 to 7 days..otherwise rejection.. rejection will be much quicker than approval , generally speaking ...

 

[Arjunvijesh]

I had submitted my application on 9th feb with the help of @BestBanker and completed my vkyc and documents on 15th feb and waiting for approval.. I think physical verification will be there. Btw, my office address is in non serviceable and current address I updated in Aadhar since I recently shifted to serviceable location. Hoping it’ll get approved soon 🙌

 

[Saiv]

Depends on how far your application was left behind in the queue...
If they feel your document is upto their satisfaction as per their internal policy your application may be approved in 2 to 7 days..otherwise rejection.. rejection will be much quicker than approval , generally speaking ...

Will there be any office verification, i’ve to inform my manager if any?

 

[SSV]

Will there be any office verification, i’ve to inform my manager if any?

Generally NO, rarely YES

 

[Saiv]

Generally NO, rarely YES

let’s say, they approved the card, can i get it delivered to some other location or pin code otherwise i’ve to travel to my parents house (i.e village) to get the card or they have to send it via courier. I read somewhere amex will send the card wherever we want is it true?

 

[BVCBVC is verified member.]

let’s say, they approved the card, can i get it delivered to some other location or pin code otherwise i’ve to travel to my parents house (i.e village) to get the card or they have to send it via courier. I read somewhere amex will send the card wherever we want is it true?

AFAIK They will dispatch to the address which was mentioned during application. After 1 card delivery you can always change the address to non serviceable location.

 

[SSV]

let’s say, they approved the card, can i get it delivered to some other location or pin code otherwise i’ve to travel to my parents house (i.e village) to get the card or they have to send it via courier. I read somewhere amex will send the card wherever we want is it true?

The first card will be sent to the address mentioned in the application

 

[althafvly]

I applied the card as my office is serviceable pincode
I got rejected and got an email attaching
Can you tell me what is the reason it's due to Cibil or aadhar address not sourceable?

What's your cibil score?

 

[Boy 07]

What's your cibil score?

my cibil score is 778 with 11 cards highest limit 2.62L but in last three months high enquiries in my cibil that may be a reason ?

 

[sumeet]

Looks like I need some place of serviceable office pincode as residential one is not serviceable

 

[althafvly]

my cibil score is 778 with 11 cards highest limit 2.62L but in last three months high enquiries in my cibil that may be a reason ?

How many enquiries?

 

[Boy 07]

How many enquiries?

9 ENQUIRIES ARE THERE