Card To Card Credit Card application without income proof

[bbiswas]

i have 1.20 lacs limit sbi simply click card, my cibil- 778, my age 21 , i am a student. which bank credit card can i get easily in card to card basis? i have ICICI,HDFC,BOB savings account.

 

[Sravan]

What's issue date of HDFC CC?

almost one year
how to check issue date ?

 

[bbiswas]

What is age of CC?
I recently got BOB Select with 50K limit, LTF.
Got via C2C from HDFC business moneyback CC with 75K limit. Got HDFC CC in Jan 2022.

I was offered Easy, Select, Premier from BOB.

CC age- 4 months, Actually sir, i think my location is main problem, i am from a small village of west bengal

 

[Akashgod]

almost one year
how to check issue date ?

Date means u shd check cibil report. Only way to know date or first cc statement might have it

 

[bbiswas]

What is age of CC?
I recently got BOB Select with 50K limit, LTF.
Got via C2C from HDFC business moneyback CC with 75K limit. Got HDFC CC in Jan 2022.

I was offered Easy, Select, Premier from BOB.

which income proof you uploaded during BOB card apply

 

[Sravan]

What's issue date of HDFC CC?

11/21
oh its just 6 months old

 

[bbiswas]

You have simplyclick while being only 21 and that too with 1 lacs + limit?

Good god, you will have no problem getting all the banks you mentioned, just wait for LTF offers and apply C2C.

actually , its fd based card

 

[Akashgod]

Actually yes bank is more easier than Bob what I feel.. they don't ask any proof to upload.. but they have 3rd class rr

 

[Extrovert🌃]

Even if you apply for 5, your Cibil won't be affected much

Every hard enquiry affects CIBIL and it affects even more if it's back 2 back and even more if the request was generated but was rejected by banks. Personal experience.

 

[Extrovert🌃]

Doesn't affect much, personal experience.

30 points not enough? If the bank enquired approves the product you applied for loan or cc then it's a positive effect but if it gets rejected then it's a whole new story. That's why finance people suggest if you don't think you fit for approval, don't apply. It works like that in foreign countries but India should be similar too.

 

[Akashgod]

Is it so? I don't think that's the case for Yes bank. Which application method are you talking about?

Online and offline both!

 

[Akashgod]

30 points not enough? If the bank enquired approves the product you applied for loan or cc then it's a positive effect but if it gets rejected then it's a new whole story. That's why finance people suggest if you don't think you will be approved, don't apply. It works like that in foreign countries but India should be similar too.

Actually accepting or rejection is not reported to cibil

 

[Akashgod]

I meant C2C?

I would say c2no no means NO they don't ask anything just a year of cibil continuous history

 

[Extrovert🌃]

30 points not enough? If the bank enquired approves the product you applied for loan or cc then it's a positive effect but if it gets rejected then it's a new whole story. That's why finance people suggest if you don't think you will be approved, don't apply. It works like that in foreign countries but India should be similar too.

Actually accepting or rejection is not reported to cibil

I might be wrong tho

 

[Akashgod]

It's not mentioned that accepting or rejection reported to cibil. It is in no way reported to cibil

 

[Akashgod]

It is just that if u apply like 2 personal loans in short period.. u know.. very tough type!

 

[Extrovert🌃]

It is just that if u apply like 2 personal loans in short period.. u know.. very tough type!

It's not mentioned that accepting or rejection reported to cibil. It is in no way reported to cibil

My bad, half knowledge is never good i guess

 

[Akashgod]

My bad, half knowledge is never good i guess

Actually lot of folks r confused about it and many online experts also give wrong info

 

[Akashgod]

In branch u need a 6 month card and they take a month statement.
In online NIL 😅

 

[bbiswas]

Really?
This is new to me. My Yes bank branch people didn't tell me about this.

Can you share how to apply in this method?

i am also new in yes bank cc matter