Any credit cards without income proof & Physical verification

[Vasuki]

Y

1. Cibil age: 2years 1month
2. Two ccs: Kotak League platinum credit card (was pre approved) age is around 8month and limit is 33k, and recently got rupay kotak with existing credit limit
3. BNPY: Slice, Amazon Pay Later, Flipkart Pay Later, Paytm Postpaid (closed now)
4. Area pincode is same but current address is different.
5. 22

You should close in following order
1 Amazon pay later
2 paytm postpaid
3 slice
4 Flipkart

U should not close either Flipkart or Amazon where u shop more until u get another cc .but surely close 3

 

[deep@vie]

@deep@vie ,
It would be great if you could help our mate @Lobogris
Thanks

Yes @S S V mystery baba, trying to get it done

 

[deep@vie]

Yes @S S V mystery baba, trying to get it done

Will update here

 

[SSV]

Will update here

Excellent , well done my man !!

 

[aries]

SBI CB they said "you are self-employed, working from home but don't have a business billboard at residence address." 🙄At the same time, they didn't have a problem convincing me to get SimplyCLICK. Now the application is stuck, even after months, they are not closing it but claiming it's closed. In Sprint, it says "we need additional documents and we'll contact you for those" but they never bother. Millennia was declined as an upgrade. I will soon close Business MoneyBack and apply C2C. AU has the same problem it gives to most self-employed applicants - denied for no reason ("internal policy"). Federal Bank, StanC and HSBC - all strict about other banks' credit enquiries as well as self-employed. And Axis is Axis - approval is random hit or miss.🤪

I am in the same boat as you so I fear SBI CB might pull the same trick on me. This is such a headache

 

[Riya Sharma]

Go to branch .
Accidentally Askin about cc show them bank balance 🤣 their heart' will drop thinking how can i help him

But still they aren't of much use

Are the branch manager and rm not able to look at customer's account balances?
But you are right this week when I am free I will pay them a visit and request a credit card in person.

 

[AritraSaha]

1. Cibil age: 2years 1month
2. Two ccs: Kotak League platinum credit card (was pre approved) age is around 8month and limit is 33k, and recently got rupay kotak with existing credit limit
3. BNPY: Slice, Amazon Pay Later, Flipkart Pay Later, Paytm Postpaid (closed now)
4. Area pincode is same but current address is different.
5. 22

Recommed you Close all the bnpl..

Open some account axis/hdfc/icici if they not giving you direct cc.

Try applying sbi through a agent..

 

[Vasuki]

Are the branch manager and rm not able to look at customer's account balances?
But you are right this week when I am free I will pay them a visit and request a credit card in person.

They will but why let them open ur account on their banking desk ..
Let them sneek peek of your axis app

 

[Riya Sharma]

They will but why let them open ur account on their banking desk ..
Let them sneek peek of your axis app

I think you misunderstood. A couple of months back I read somewhere that bank employees and branch managers are able to see all customers’ bank balances and other information through their pc’s online without any permission.

 

[Vasuki]

I think you misunderstood. A couple of months back I read somewhere that bank employees and branch managers are able to see all customers’ bank balances and other information through their pc’s online without any permission.

Yes ofc they can .but they can only see not do anything

 

[deep@vie]

Excellent , well done my man !!

Thank you sir, you're our inspiration

 

[D₹V]

please provide the following:

1) CIBIL age
2) How many CC s you have and their age and limit
3) any personal loans/BNPL / any other loans in your CIBIL
4) area of residence with pin code , is your current residence and Aadhar address same.
5) your age bracket…

Lagta hai @S S V bhai khud chalkar CC denge bande ko 🤣😜

 

[deep@vie]

Lagta hai @S S V bhai khud chalkar CC denge bande ko 🤣😜

Bina bimarii aur symptoms Jane mystery baba @S S V pahle ilaaj karte the,ab sab poochhke krte hain

 

[zomato]

ICICI/AmEx add on cards CIBIL pe reflect hote add on card holder ki? ig vhi best option hai tu get card without income proof and even without CIBIL

 

[czar]

SBI CB they said "you are self-employed, working from home but don't have a business billboard at residence address." 🙄At the same time, they didn't have a problem convincing me to get SimplyCLICK. Now the application is stuck, even after months, they are not closing it but claiming it's closed. In Sprint, it says "we need additional documents and we'll contact you for those" but they never bother. Millennia was declined as an upgrade. I will soon close Business MoneyBack and apply C2C. AU has the same problem it gives to most self-employed applicants - denied for no reason ("internal policy"). Federal Bank, StanC and HSBC - all strict about other banks' credit enquiries as well as self-employed. And Axis is Axis - approval is random hit or miss.🤪

Just to ask what business you're in? When you apply as self employed what category you apply for?

 

[czar]

Y

You should close in following order
1 Amazon pay later
2 paytm postpaid
3 slice
4 Flipkart

U should not close either Flipkart or Amazon where u shop more until u get another cc .but surely close 3

Paytm postpaid is closed as the validity of it has expired.
I think I will use Amazon pay later again till I can apply for Amazon ICICI.
And in Flipkart paylater I already have two emis ongoing once that clears I'll be closing it too.
And about slice, Slice won't show loan taken or anything Unless I take it, I rarely take from it usually whenever is the emergency and pay it before due date.

 

[czar]

Update: applied for Flipkart Axis Bank, they did only vkyc and they approved it after three days (today) thanks to @asahi for additional info and helping regarding it.

 

[sidmanraj]

Update: applied for Flipkart Axis Bank, they did only vkyc and they approved it after three days (today) thanks to @asahi for additional info and helping regarding it.

Did you pay fees for the same?

What did you fill for current income?

What did you mention for current job address and company name?

 

[asahi]

Update: applied for Flipkart Axis Bank, they did only vkyc and they approved it after three days (today) thanks to @asahi for additional info and helping regarding it.

You’re welcome bro

 

[czar]

Did you pay fees for the same?

What did you fill for current income?

What did you mention for current job address and company name?

I think fees are calculated from next billing cycle or next year
Self employed, Current income, 3.5L/yr, address as same as aadhar, company name as just freelancer.