Things to remember when applying for an Amex card:
1. You must have an address in a serviceable area.
2. Your CIBIL score should be a minimum of 750.
3. No late payment entries in your CIBIL report in the last 7 years. [unofficial]
4. No more than three hard inquiries in the last three months. [unofficial]
If we go by my CIBIL then I wouldn't have met hird and fourth conditions as I had late entries in 2020 during COVID
I had 4 CIBIL enquiries in the last three months.
They will ask you for your latest income tax returns before sending the card
They haven't asked and card is on the way.
Thank you for your interest in applying for an American Express SmartEarn Credit Card.
After reviewing your application, we have determined that your income does not meet our internal evaluation criteria. As a result, we are not able to process your application.
If there are any changes to your financial information, which indicate a higher income, please feel free to contact us again and we will be happy to review your application.
Can you DM, maybe I can help.
One of my friends is getting this email after application. Can he ignore and wait for the application to be approved? Did you get any such email?
I didn't get such emails, I would suggest uploading documents he has to avoid canceling the application and avoiding another CIBIL hit for another application.
I didn't want one more CIBIL for hit another application so I carefully filled the details, AMEX gave conditional approval just after filling first page so I think maybe we have to fill somewhat higher income to avoid asking income documents. You can fill higher income if you don't have income proof.
I am not in servicable area
Any hack for this
Without changing adhar adress
I would suggest changing the Aadhaar as that's very easy and you can use your friend's address.
Brother I applied for 3 times and got rejected for the same reason that I'm not in the serviceable area. Could you please elaborate on how you changed the address(not the process). Because to what address should I change. Could you please explain it.
I would suggest changing the Aadhaar as that's very easy and you can use your friend's address.
Please if you want to know how.
I applied twice and they asked for income documents both the time. My company gave the printed hard copy of salary slips and when i uploaded them, they rejected the application.
You can try avoiding income documents, maybe I can help what I filled.
Over 6 months
over 1 lakh in hand per month
Changing Aadhar address is super easy. I have done it online quite often for various reasons. You can use any address like that of a relative or friend. You would need some documents obviously.
Yes, I also thought it may take time but this was very easy just ₹50 charge.
and we can revert anytime.
How big is the flat? Was Amex aware of the ownership?
DId you work for aother company during the last financail year?
I mean , are you fully emplyed for the last financial year?
If you so form 26AS , will be enough..
DM me if you want to discuss this in detail
I think employment doesn't matter much, maybe the Credit Report of the income range we are entering.
My conditional approval came on the first page without filling in any employment details and without CIBIL hit so I think its based on income.
Nope. You need atleast one ovd doc.
Aadhaar, passport, license or election id with serviceable address.
Changing aadhaar address is the easiest method.
Aadhaar address change is super easy, just one day and ₹50 charge and we can do 1000 times.
They didn't ask for the size, but my address is enough.
Yes, aware.
But l cancelled a 4 year old MRCC to avoid paying renewal fee and reapplied after 6 months via referral for a FYF card with 6000 free points.
I know they asked for house ownership and I live in rented but I think that is just for verification not a criteria for approval.
No
Thats why 26AS wont work
Unfortunately I got stuck with income docs. Any way to cancel my application and how many months for reapply?
Civil 774
Highest lim 535000
No enquiries in last 1 year
View attachment 55367
I would suggest uploading certainly if you work in any of the listed companies that will certainly approve your application.
