Amex Card Application

[MVC]

I’ve Applied for AMEX MRCC card on 14th April and I’m self employed and my last ITR for (FY 2022-2023) is of 5 lacs and I’ve marked 6-8 Lacs while applying for the since my Income for (FY 2023-2024) is 7 lacs but my CA has not yet done the ITR Filing so I’ve uploaded last FY ITR acknowledgement, also today 16th april they sent an executive to verify my office Address but due to long weekend no one was available at the office and the executive called me and said he took the photos of the front door and lobby. Now will i get the card ? What are the chances? What can i do to get the card?
@BestBanker @Abhishek012 @TechnoFino

 

[MVC]

I’ve Applied for AMEX MRCC card on 14th April and I’m self employed and my last ITR for (FY 2022-2023) is of 5 lacs and I’ve marked 6-8 Lacs while applying for the since my Income for (FY 2023-2024) is 7 lacs but my CA has not yet done the ITR Filing so I’ve uploaded last FY ITR acknowledgement, also today 16th april they sent an executive to verify my office Address but due to long weekend no one was available at the office and the executive called me and said he took the photos of the front door and lobby. Now will i get the card ? What are the chances? What can i do to get the card?
@BestBanker @Abhishek012 @TechnoFino

Bhai it's amex .
Call them .
Ask them for link
They are helpful

You might have kept the page open for too long, just close it and click again from the link in your email. 🙂

Without latest income tax, 6 months bank statement and income proof you will not get any Amex card

My application is rejected saying that address verification failed

 

[MVC]

My application is rejected saying that address verification failed

But when I applied it showed conditionally approved

 

[Vasuki]

My application is rejected saying that address verification failed

Call amex & tell them to send agent again .
Didn't changed aadhar address as communication/permanent address

 

[SSV]

My application is rejected saying that address verification failed

But when I applied it showed conditionally approved

This conditinally approved is basicaly you are thur CIBIL gates...thats it.. dont assume anything else...

The agent gave negative report on your physical verififcation...

Call CC and ask for re-physical verification stating what happened and write to

Head-Customerservicesindia@aexp.com with all the details...

 

[MVC]

This conditinally approved is basicaly you are thur CIBIL gates...thats it.. dont assume anything else...

The agent gave negative report on your physical verififcation...

Call CC and ask for re-physical verification stating what happened and write to

Head-Customerservicesindia@aexp.com with all the details...

They asked me to re apply after 90 days for MRCC card what can i do can i apply for any another card immediately?

 

[coolguy1]

They asked me to re apply after 90 days for MRCC card what can i do can i apply for any another card immediately?

You can fight against the rejection by requesting for more information and request a re-visit.

OR

Just fill out another application if you're interested in any other card - Plat Travel could be a good option.

It will be considered a new application and can be applied for instantly.

But if they come again for physical verification, ensure you're present at the address mentioned.

 

[SSV]

They asked me to re apply after 90 days for MRCC card what can i do can i apply for any another card immediately?

DM me , I will guide you through..
Will have to analyse what must have gone wrong and how to remedy it before applying for the next, so that the same mistake won’t be repeated

 

[MVC]

You can fight against the rejection by requesting for more information and request a re-visit.

OR

Just fill out another application if you're interested in any other card - Plat Travel could be a good option.

It will be considered a new application and can be applied for instantly.

But if they come again for physical verification, ensure you're present at the address mentioned.

Which card is better plat travel or mrcc for me spends of 4lacs can be achieved

 

[MVC]

DM me , I will guide you through..
Will have to analyse what must have gone wrong and how to remedy it before applying for the next, so that the same mistake won’t be repeated

Dm ed + 3words

 

[drsel]

My application is rejected saying that address verification failed

Don't worry, it is not worth it anyway. You have been saved the hassles involved.

It's too much of a hassle to buy 1500 into 4 Amazon pay every month and then wait for 15 long months to get only 6000 Amazon pay as the best reward available.

I am talking from first hand experience.
I actually used it for 4 years till mid 2023 and then I found so many better cards that I purposely and purposefully closed it permanently.
There are hardly any shops in India which accept Amex cards anyway

 

[drsel]

I used it for nearly 4 years and I redeemed 18000 points three times for 7000 Amazon pay each time.
But it was troublesome and really tests your patience and waiting ability.

Now it is devalued to 6000 Amazon pay for 18000 points.

After all the trouble and waiting, I got a return of 16.66% more than everybody is getting right now.

 

[drsel]

Lack of acceptance of Amex cards in India is only one problem.

There is another potential problem --
If you start accumulating points now expecting to get Rs 6000 Amazon pay for 18000 points after 15 months and then they suddenly devalue it again to 5000 Amazon pay, you will suffer!

 

[drsel]

But the silver lining is you can make a lot of money from referrals and that is much much more than what you will make by collecting points and waiting for 15 months!!

Sort of like a member get member or ponzi scheme

 

[Vasuki]

Sort of like a member get member or ponzi scheme

 

[Alex292929]

Do AMEX consider ITR of 7 L if it is half from salary half from PGBP? @SSV

 

[SSV]

Do AMEX consider ITR of 7 L if it is half from salary half from PGBP? @SSV

Which itr form no you file?

 

[Alex292929]

Which itr form no you file?

ITR FORM 3

 

[SSV]

ITR FORM 3

Then you should apply as self employed and submit the itr 3 form and they will accept it…
If you want guidance in your Amex application DM me for details

 

[harishbabusunkara]

Hi,
Recently I received the Amex MRC on a referral basis. I am happy that the card was approved online without Income proof.
Now I have a query here CL is given very less INR 50,000 only. I have best card like Infinia in my wallet.
Help me in this regards

 

[SSV]

Hi,
Recently I received the Amex MRC on a referral basis. I am happy that the card was approved online without Income proof.
Now I have a query here CL is given very less INR 50,000 only. I have best card like Infinia in my wallet.
Help me in this regards

There is nothing to help here.
It doesn’t matter what type of card you have in other banks.
It’s about your income and CIBIL
Amex has robust mechanism and generous mechanism to give you CL based on the above factors

Keep using the card and in 6 months you will get LE. If not call them and ask for LE citing your current income then.. you don’t even need to submit any income doc then..
They rely on your oral statements.
but in case for some reason they want some doc, you have to provide it whenever they ask..
So stating the actual income will not invite any issues in the future