Can I get any CC using my ITR only?

[realjayt]

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

I got my first card using just my itr, so yes it is possible

 

[m4b]

I got my first card using just my itr, so yes it is possible

Which card ?

 

[Vasuki]

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

Will visit SCB let's see

 

[Rahul Gupta]

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

I am self employed so can i get a stan.c card this way?

 

[realjayt]

Business Moneyback

Which card ?

🥲

 

[Wealth is my birth right!]

I am self employed so can i get a stan.c card this way?

For salaried scb will issue
Self employed they have some special consideration which lot of ppl here complaining that Standard Chartered not approving

Will visit SCB let's see

Welcome to board scb

 

[Fini7777]

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?

If u r self employed u should file ITR3 or 4

 

[Ra.One]

Lucknow' ! ?

i think LKO is unserviceable for AU.

 

[simplegarv]

Any milestone based card would be perfect like SBI Vistara

Go for SBI Vistara Prime only, now-a-days there is lot of issue in booking economy redemption tickets.

 

[newinnov]

what exactly you mean by different requirements?
Here we are talking about whether an ITR can be considered as a valid Income doc or not??

So do you mean for some cards ITR is accepted and for someother ITR is not accepted??

Without ITR I meant,
for entry level card they wont even fetch bank statement. Purely cibil, pan , aadhar

But if cibil is low they might ask... and everyone is aware that Sbi is never shy to say NO 🙂

 

[newinnov]

Achha achha achha,(Acp style) to ye janab ka kahna hai ki remote location pe cc jaldi approve ho jaati hai, wo bhi bina Income Docs ke....

Mastiiii dekho🤣😉 @Vasuki

Bhai tere pas bakch*di ke alawa bhi kuch kam h?
Obviously your pincode must be serviceable!

 

[newinnov]

puts some jaahil gawar (rural) pincode

You are implying that - rural india is jaahil gawar..?
Even if you said these lines jokingly, You should be ashamed of yourself!

 

[aayusharyan]

Hahahaha, sure bro

Send me some piping hawt Idrees biryani

 

[Heisenberg37]

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

No i already had mrcc and plat travel with good spends
No verification or income proof was asked

 

[Anupama_Jha]

Bhai tere pas bakch*di ke alawa bhi kuch kam h?
Obviously your pincode must be serviceable!

So, what u meant by "remote location"🤔

 

[newinnov]

So, what u meant by "remote location"🤔

Let me be clear - what I said-
1. Your credit report is the most important thing
2. Income proof may be dispensed with depending on bank policy/ banking relation / card varient
3. Verification / Location : your location must be serviceable
(in that order)

What I meant by remote location -

Serviceable pincode, but location where agent does not want to visit e.g. - Outskirts of city / court complex etc.

For example-
IDFC does not issue new credit cards without physical verification.
But if your location is inconvenient for agent,but application has good profile. IDFC approves without physical verification too.

Thats why I said verification stage is easier to pass on remote location.
But try it with less income and poor score you will get burned!

And coming to your unwarranted mockery -
Verification question arises only if your location is serviceable, unsupported pincode will lead straightforward rejection!
Sometime even instant, such as - indusind
So your illogical rant had no sense there. Peace out.

 

[m4b]

It's here and it's beautiful.
Mad respect to SBI Card.
Thanks folks. Next up IDFC Vistara (still in process)😛