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Any tip for apply cc
- Thread starter banker
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shrewdoc
TF Ace
1. If you're filing ITR and declaring income, then you can use that.
2. If you maintain good balance and do decent transactions in bank account, then you can leverage that.
3. If you have good relationship with bank like huge loans, use that.
If you have none of the above, then you need some proof of your income.
(Not any financial advice: You can open a current account in proprietorship and transfer the money to your savings account via NEFT every month.)
banker
TF Buzz
We dont need to file ITR becoz we are ST n thats why i always pay in cash for everything so i only use bank account for mutual fund or for FD
banker
TF Buzz
Im salaried but i get all my salary in cash so its really hard for me.
akshayhs
TF Ace
No issues. Get a salary slip from your employer full filled and signed (if it is digitally sent, it is digitally signed and that is acceptable)
varun__goel_
TF Legend
Open savings acc in any private bank(preferably hdfc/axis). Deposit your cash in this bank acc and try to shift all your expenses on dc and upi. You will get pre approved offer in few months. And then apply other cards on basis of this card.
banker
TF Buzz
I work with family can i still get a salary slip?
Deleted member 21942
TF Ace
Employer should be registered with the bank otherwise for all other unregistered firms, banks consider the applicant as Self Employed only.
banker
TF Buzz
I have saving account on katak and Jupiter and canara bank and one more local bank which i used for everything because its easy n near my house.
shrewdoc
TF Ace
This is not a reason not to file an ITR. Ye kya baat krdi apne?
Har chiz yaha nhi btayi ja sakti. Thoda apko bhi mehnat krna pdega. Khud se research kijiye. HUF is an option. CA ko consult kriye.
banker
TF Buzz
Yes thats why i usually fill self employed in bank account. But now im trying to get a cc so i dnt know what to do.
varun__goel_
TF Legend
Okay then just open hdfc/axis acc online, deposit cash in the bank branch nearest to you, transfer it to your new bank acc and do as said above.
Deleted member 21942
TF Ace
Open a bank account with HDFC/Axis/ICICI and keep atleast 5-6 lacs for 6 months and do decent transactions in it. You will get preapproved credit card offer. This is the only viable option looking for you as of now.
He would need to register for GST then!
Listen OP.. you have long journey so deposit in some zero MAB Account I don't tell which search in the forum second keep using as per need don't over use to chase cc offer and in 6 months time you will pre approved offer for around 10 to 50k approx could be higher too. And slowly apply after 1 year from approval of pre approved cc for LTF card.
shrewdoc
TF Ace
Maybe, Maybe Not.
As I mentioned in my previous post, not everything can be discussed here. An experienced CA can help with this matter.
Also, since he mentioned family income, HUF is also an option.
@vaibhav111
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