American express without income documents

[PEER WAHAJ]

I have mrcc i just applied plat travel i didn’t get any link to upload documents in the email.
Does it mean it’s on income waiver?

 

[manojsurya99]

i have not filed any itr or have salary slips as i do many things from trading to freelancing in us/uk which makes me decent money and have them deposit money to my dad account who doesnt live in india

my dad simply gives me this money from his indian bank accounts and i dont have to worry about all taxation headache

is it possible for me to get a gold charge as i want to work my way towards a plat charge in the next year or two

I'm not supposed to comment, but let me tell you something.

If your income is tentatively around 10 Lakhs as per CIBIL, and you input it as say 8 Lakhs to 12 Lakhs window or a 10 Lakhs to 15 Lakhs window, Amex doesn't ask you for income documents. But they look at the source of funds, if it is salary, either your company email will be verified or they might end up asking proof of employment. If you are self-employed, again they will verify manually if your company/shop/business is generating such profit to you and if you are saying business income for personal income.

For retired/housewife/students, you will not end up getting cards currently, until and unless you are rich and have super premium cards.

 

[manojsurya99]

best banker has been taking c2c requests for platinum charge with minimum limit of 3L idk where you are getting info for this bro

Platinum Charge cannot be given for 3 Lakh C2C. If they are giving you, take it for granted, it is steal deal.

 

[harishracha]

This has been stopped long ago.
Earlier they used to issue cards to post-graduate students from 15-20 colleges but now it is stopped.

he got that card in august this year, so your info on this is incorrect

 

[harishracha]

Platinum Charge cannot be given for 3 Lakh C2C. If they are giving you, take it for granted, it is steal deal.

what do you mean not being given? search on this forum and you will see it is a easily doable with a minimum of 3L limit

 

[manojsurya99]

he got that card in august this year, so your info on this is incorrect

As I said, I cannot disclose information but I am assuring that it wasn't possible that a student with no income can get an Amex card in Aug 2024. He must have manipulated some information nd have got the card. This is with 100% assurance I'm telling you.

 

[manojsurya99]

what do you mean not being given? search on this forum and you will see it is a easily doable with a minimum of 3L limit

As I said, if they are giving you for 3 Lakh, it is a steal deal. Please it.
Generally it is not possible, but due to the sales team pressure, some sales agents might have processed it.

C2C is only applicable throught Agent intervention and not through direct website route, so some agent would have processed it. Hence take it as it is really steal deal. But take it only if you have real use with the card because otherwise you'll have to shell out approx 78k including GST.

 

[harishracha]

As I said, I cannot disclose information but I am assuring that it wasn't possible that a student with no income can get an Amex card in Aug 2024. He must have manipulated some information nd have got the card. This is with 100% assurance I'm telling you.

bro do you understand the meaning of “applied in front of my eyes”? your info is very wrong and you are so stuck on that point when im telling you we applied it in person and had it approved immediately with 25k limit

 

[manojsurya99]

bro do you understand the meaning of “applied in front of my eyes”? your info is very wrong and you are so stuck on that point when im telling you we applied it in person and had it approved immediately with 25k limit

Ok then enjoy the card benefits.

 

[harishracha]

Ok then enjoy the card benefits.

you people dont want to answer the actual question but are first to chod gyan when its not even asked

next time read the question before giving your opinion