Best Way to Apply for C2C , and what should be the steps ?

[Hunny1208]

Hey guys, need your help regarding applying for C2C for one of my brother . Can you please tell the steps about how to go about it.

Offline or Online , which way is better ?

Existing card - HDFC business moneyback - 63k limit and 11 months old
Current cibil - 760 and 3 enquiries in last 3 month
Card rejected last month - SBI simplyclick
ITR - 4.98L latest
Location - Metro
Not sure about which cards to go for but mostly do shopping and online payments.



@TechnoFino @Batmanbaba @Subhankar @vaibhav111 @BankExpertIndia @AsishB @AllSeeker @HyperBeast and others.

Any suggestions and advice is appreciated 🙂

 

[Anon1]

Tried IDFC , checked eligibility, they offered FD card in the end lol. So IDFC out of option as of now.

Got cibil enquiry hit?

 

[adi]

So applying online or through branch is the way to go i think then.

I'm sharing my personal experience.
I got my first card with 40k limit. I applied icici Amazon, axis Flipkart and other cc through ITR as my itr was 495k+ but all cc I applied got reject 2 times. 3rd time they approved my cc through ITR till thn 40k limit increased to 100k now I easily got many cards through C2C method.
talked to senior of icici and axis they told that applications of self employed are mostly rejected and if approved limit given is less till you have itr upto 500k as it's free and anyone can show 499k itr easily.

 

[Hunny1208]

Got cibil enquiry hit?

No thankfully

 

[Hunny1208]

I'm sharing my personal experience.
I got my first card with 40k limit. I applied icici Amazon, axis Flipkart and other cc through ITR as my itr was 495k+ but all cc I applied got reject 2 times. 3rd time they approved my cc through ITR till thn 40k limit increased to 100k now I easily got many cards through C2C method.
talked to senior of icici and axis they told that applications of self employed are mostly rejected and if approved limit given is less till you have itr upto 500k as it's free and anyone can show 499k itr easily.

okay great brother !

so you suggesting getting a normal credit by bank, and wait till my limit get above 100k and then go for C2C right ??

So what are the chances of even getting any card approved now with the ITR ?

 

[Batmanbaba]

Tried IDFC , checked eligibility, they offered FD card in the end lol. So IDFC out of option as of now.

CURRENTLY THEY ARE HEAVILY PROMOTING THEIR WOW CARD...ALMOST EVERYONE IS GETTING OPTION OF WOW CARD ONLY...IRRESPECTIVE OF CIBIL AND NO OF CARDS ALREADY AVAILABLE

 

[Hunny1208]

CURRENTLY THEY ARE HEAVILY PROMOTING THEIR WOW CARD...ALMOST EVERYONE IS GETTING OPTION OF WOW CARD ONLY...IRRESPECTIVE OF CIBIL AND NO OF CARDS ALREADY AVAILABLE

I got the option to Create FD and then get card bro , so maybe not giving unsecured as of now.

 

[Batmanbaba]

I got the option to Create FD and then get card bro , so maybe not giving unsecured as of now.

i HAVE seen 10,s of comments of people only getting option for wow card after multiple attempts......its better to apply after sometime....till they get enough customers for wow cards...its a good card if given unsecured

 

[Hunny1208]

i HAVE seen 10,s of comments of people only getting option for wow card after multiple attempts......its better to apply after sometime....till they get enough customers for wow cards...its a good card if given unsecured

Yes will wait as of now

 

[Sahilsardalia]

go for idfc card , ltf and gives railway lounges

 

[Hunny1208]

go for idfc card , ltf and gives railway lounges

Offering only FD card , not unsecured

Checked eligibilty

 

[vaibhav111vaibhav111 is verified member.]

Cool down period in sbi 3-6m so his application might get rejected + haven't heard anybody getting cashback cc via c2c.. Do u know anyone?

yeah sbi cashback isn't issued on c2c only via online , i have the card i applied online got card after 1.5 month , have no clue if sbi started sbi cashback on c2c though

 

[vaibhav111vaibhav111 is verified member.]

@Hunny1208 don't apply for any cc for now let limit increase to around 100+ and then wait , you never mentioned if 63k isn't enough for your brother or not , there are tons of LTF card but basis of c2c and ITR not all cc bank will approved and I'm sure if you apply again and again chance of approval aren't good. wait for some month and apply for some LTF card as per your spending on that category. since IDFC and sbi are out , rest are onecard, icici too you had applied i think though.

 

[Hunny1208]

@Hunny1208 don't apply for any cc for now let limit increase to around 100+ and then wait , you never mentioned if 63k isn't enough for your brother or not , there are tons of LTF card but basis of c2c and ITR not all cc bank will approved and I'm sure if you apply again and again chance of approval aren't good. wait for some month and apply for some LTF card as per your spending on that category. since IDFC and sbi are out , rest are onecard, icici too you had applied i think though.

this is for another brother, which we applied for icici was little brother,

But yes, will wait till 100k then apply other cards

 

[Venky]

Can anyone suggest me any Premium Credit cards for a c2c application?
Currently I hold-
HDFC Business Regalia (3 lakhs, 1 month old)
ICICI Amazon Pay (3.6 lakhs)
Indusind Platinum Mastercard (3 lakhs)
Indusind is the oldest card, and they declined to upgrade to the Induind Legend without the joining fee.

ITR is only 5.62 lakhs (so you can’t apply online).

I have applied for the IDFC Select First and the application is in process. It showed I was eligible for the same.

Is the limit of 3 lakhs sufficient to apply for the Axis Magnus card?

would like to know how I apply offline, I mean through the bank directly or are there any DSA’s for the same?