Can I get any CC using my ITR only?

[aayusharyan]

Amex ,au , fedral , Jupiter is now few months away
Gf will live in delhi
Sare card mil jayenge bc ab 🤡

I will most likely go back home in December for a month, will apply for cards back to back via offline method. HDFC, SBI, StanC, Au...

 

[Vasuki]

I will most likely go back home in December for a month, will apply for cards back to back via offline method. HDFC, SBI, StanC, Au...

Lucknow' ! ?

 

[Fini7777]

Doesn’t matter
I have amex plat charge
Hdfc infinia 10 lac limit
And my age is 20
Got plat charge at 18 only
Infinia at 19

infinia - OK
But how did u get an amex plat charge
Didn't they ask you for income proof?

 

[Vasuki]

infinia - OK
But how did u get an amex plat charge
Didn't they ask you for income proof?

If u have higher limit card u can do C2C via executive of amex
Most likely
I heard it maybe it can be false


Even based on assets u can get amex

 

[aayusharyan]

Lucknow' ! ?

 

[Vasuki]

Kya hue .

 

[Fini7777]

Can I get any credit card showing the ITR of FY 23-24? Currently no income.

I think u no need to provide any inc proof in most of the cases
I applied for 21 cards without any income proof(closed:7 Active:13) I never got the chance to do that

If ur credit profile is good Most banks do not ask u for inc docs Except some PSU banks and MNC banks

 

[SSV]

If ur credit profile is good Most banks do not ask u for inc docs Except some PSU banks and MNC banks

SO
PSU banks - Still following age old procedures
MNC Banks- Still thinking of old India only...

Indian Private Banks adopted to the new Indian financial culture ...

 

[Fini7777]

If u have higher limit card u can do C2C via executive of amex
Most likely
I heard it maybe it can be false


Even based on assets u can get amex

Yes..Yes.. I too heard about this in this forum
For plat charge, plat travel it is possible but for MRCC -Not possible I think

 

[Fini7777]

SO
PSU banks - Still following age old procedures
MNC Banks- Still thinking of old India only...

Indian Private Banks adopted to the new Indian financial culture ...

In my opinion Yes
slowly things are changing in PSU banks let them change slowly 🤣
MNCs like HSBC still not offer their CCs for self-employed except for their acc holders, SC and AMEX are way better Nowadays

 

[lxmxl]

Can I get any credit card showing the ITR of FY 23-24? Currently no income.

If you are a self employed person then yes. I have 4 cards and I didn't show bank statement or payslips, only ITR, because I'm self employed.

 

[Vasuki]

In my opinion Yes
slowly things are changing in PSU banks let them change slowly 🤣
MNCs like HSBC still not offer their CCs for self-employed except for their acc holders, SC and AMEX are way better Nowadays

Does sc provide pre approved offer ?
Or direct apply without verification

 

[m4b]

correct me if i'm wrong. you're taxable income on your ITR would be Zero. so if the Bank have ITR range then if it doesn't start from 6-7L even though most of them bank have range from 6L+ so you're in the Bracket. only CC where ITR should be 7.1L+ Upward you can apply and use c2c if available if not then yes chances would be low but it doesn't mean you're not eligible straightforward you would need to check if CC you want have 6/7L+ or not.

plus i don't have any idea which cc you have seem like you have MB4 or something similar so why to worry enjoy Axis Life i guess.

ITR for FY 23-24 passed for 7L+ criteria, I am just scared of failed hard CIBIL inquiry if they ask for the employer address (currently not employed) and asks for last 3 months salary slips which I don't have.
The reason for a milestone-based CC is that I may have some spending in the coming months which is in the north of 10L+, I just want to stay away from 10L+ SFT006 thing for next year that's it. Just want to play safe for this year at least. The milestone on my AMEX would reset on NOV 24. Till then I have to use something else if I get it.

 

[m4b]

Basically you need to check the Banks website to check if they accepts ITR as Income Doc for the issuance of CC .
But sometimes, some Banks may insist on latest Salary Slips, if your occupation type is : Salaried.. ( this may happen rarely)_
for Self Employed last year ITR will be definitely enough...

Docs that are eligible in case of SBI cards include ITR ..
Look below:

Apply for Credit Card Online in India - Instant Approval | SBI Card

Apply for SBI credit card online to avail premium benefits & rewards. New credit card application in 3 easy steps. Get instant approval on SBI credit cards in India.

www.sbicard.com

View attachment 57975

Yes, I have checked in a few banks. Some mentioned salary slips for employed and ITR in case of self-employed.
Now that you have said this if I wonder if the bank asks for the current profession, I would check self- employed. Will they consider my ITR2 for that purpose?

 

[m4b]

Okay, thanks for updating, lol

I had to for my TF homies taking care of me 😛

 

[Fini7777]

Does sc provide pre approved offer ?
Or direct apply without verification

Direct apply.... .

 

[m4b]

Send me some piping hawt Idrees biryani

 

[m4b]

If you are a self employed person then yes. I have 4 cards and I didn't show bank statement or payslips, only ITR, because I'm self employed.

Self-employed since FEB 2024 with 0 revenue so far

 

[Wealth is my birth right!]

Does sc provide pre approved offer ?
Or direct apply without verification

Scb offers pre approved cards
But ur savings account with them should be having lot of transactions

 

[m4b]

Do banks check the ITR type for self-employed?
and If I don't have a registered company, Can I call myself self-employed or jobless?