Existing customer VD KYC Required or Not for NEW CREDIT CARD APPLICATION IN INDUSIND

[sun156]

Hai, My Maternal Cousin is having is INDUSIND ACCOUNT from nearest semi urban location which is some what far from our location with relationship around 3-4 years,
He is getting calls from staff and some INDUIND CREDIT CARD SALES offices of different locations that he is elgible for PREAPPROVED credit card. ( I checked their ID cards from local branch and THey have all our account access - SO NOT THIRD PARTY )

PREVIOUSLY BEFORE 2 Years I applied him, rejected due to Pin code not serviceable .
Now he wants the card at any cost.
SO I contacted the person who is calling him, THEY are suggesting him to change the current address from the app which doesnt required any documents , so he wants to give my address.

now doubts are
1. Can We Change address like that without Address proof for current address. Does any one done it.
2. After applying , For EXISTING CUSTOMER Also should DO VD KYC or NOT
3. My cousin Is currently not working , Can I place employment as STUDENT, and still have any possibility to get the card. because I dont want to give wrong detials.
(He have Good CASA balance i.e I made FDs on his name ) ( The app also showing he is elgible for personal loan of 5 lakh and Lifetme free credit card ) ( Not shown any pre-approved sign) ( check attachement)
4. He has 3 other credit cards and has Cibil score AOD is 794.


kindly share your views and suggestions in this regard,

 

[Zoravar]

Didn't happened to me
. .

hi I'm also a student and I'm in my first yr of btech who will be filling his first itr this june , have a secured cc from the last 4 months, and have done all the payments on time resulting in a cibil of 761 and Experian as 776 residing in delhi and have a axis burgandy acc from last October under my fathers family banking, and i wanted a unsecured cc now but I'm not sure if I'll get one without having a banking history so was looking up for opening an acc with IndusInd so that i could get any pre approved offers also I'll be getting the axis select in june as ltf for burgandy users but i wanted the indusind legend or IndusInd tiger, so any guidance you can give in my situation also will it help if i open a IndusInd sb acc or will it make no difference?


@Abhishek012
@BVC

 

[Zoravar]

hi I'm also a student and I'm in my first yr of btech who will be filling his first itr this june , have a secured cc from the last 4 months, and have done all the payments on time resulting in a cibil of 761 and Experian as 776 residing in delhi and have a axis burgandy acc from last October under my fathers family banking, and i wanted a unsecured cc now but I'm not sure if I'll get one without having a banking history so was looking up for opening an acc with IndusInd so that i could get any pre approved offers also I'll be getting the axis select in june as ltf for burgandy users but i wanted the indusind legend or IndusInd tiger, so any guidance you can give in my situation also will it help if i open a IndusInd sb acc or will it make no difference?

@Fini7777, if you also guide me in this

 

[Fini7777]

@Fini7777, if you also guide me in this

Don't open IndusInd acc for cc
Legend is not a "Legend" now, Tiger is not that easy to get

U will get select card right, use that card for few months and apply for other entry level cards like ICICI Apay, Hdfc millennia or above, axis airtel etc

Try opening an acc in HDFC and try to maintain good amount of funds
U will get a decent card with good limit

 

[sun156]

hi I'm also a student and I'm in my first yr of btech who will be filling his first itr this june , have a secured cc from the last 4 months, and have done all the payments on time resulting in a cibil of 761 and Experian as 776 residing in delhi and have a axis burgandy acc from last October under my fathers family banking, and i wanted a unsecured cc now but I'm not sure if I'll get one without having a banking history so was looking up for opening an acc with IndusInd so that i could get any pre approved offers also I'll be getting the axis select in june as ltf for burgandy users but i wanted the indusind legend or IndusInd tiger, so any guidance you can give in my situation also will it help if i open a IndusInd sb acc or will it make no difference?

you can get PREAPPROVED from HDFC , AXIS based on transaction with in 6-9 months from savings account opening ,( and also several parameters).
in these if you get preapproved, Your card gets instant approval instant generated. PRE APPROVED to APPROVAL Rate is 99%.
In hdfc you can keep student your PRE APPROVED card will be approved,
IN AXIS it dont show 99% student OPTION in PRE-APPROVED APP APPLICATION process.

RBL , IDFC , also gives the same like in 6-1 year based on your transactions , FD relationship. BUT not sure PRE APPROVED to APPROVAL Rate is 70%

Forgot :- KOTAK also gives pre-approved CC offer but They give you LATE or QUCIK very Random, But if they given you preapproved sure it will be approved even you keep student in the application

Honestly use HDFC and AXIS MAinly age is also a PARAMETER but not in these 2 banks That I am very sure.,

• AREA serviceability pin code list check before applying
• LTF offer MAY OR MAYNOT be given in HDFC OR AXIS always, BUT Currently some SURROGATE Cards LIKE RUPAY , PIXEL are LTF in HDFC

 

[sun156]

hi I'm also a student and I'm in my first yr of btech who will be filling his first itr this june , have a secured cc from the last 4 months, and have done all the payments on time resulting in a cibil of 761 and Experian as 776 residing in delhi and have a axis burgandy acc from last October under my fathers family banking, and i wanted a unsecured cc now but I'm not sure if I'll get one without having a banking history so was looking up for opening an acc with IndusInd so that i could get any pre approved offers also I'll be getting the axis select in june as ltf for burgandy users but i wanted the indusind legend or IndusInd tiger, so any guidance you can give in my situation also will it help if i open a IndusInd sb acc or will it make no difference?

For cc applications You need to declere employement status, So What You are thinking and planning to mention in your CC applications

 

[Zoravar]

For cc applications You need to declere employement status, So What You are thinking and planning to mention in your CC applications

will be filling self employed when i apply for any and will fill any buisness near my home as mine or something, also i do make some from financial markets occasionally

 

[Zoravar]

Don't open IndusInd acc for cc
Legend is not a "Legend" now, Tiger is not that easy to get

U will get select card right, use that card for few months and apply for other entry level cards like ICICI Apay, Hdfc millennia or above, axis airtel etc

Try opening an acc in HDFC and try to maintain good amount of funds
U will get a decent card with good limit

was planning on opening an acc in hdfc will definitely go ahead with it also what kind of amt should i keep in it will 25-40k will be fine also should i open a sb acc in icici too for pre approved offers or for icici coral rupay ?

 

[Fini7777]

was planning on opening an acc in hdfc will definitely go ahead with it also what kind of amt should i keep in it will 25-40k will be fine also should i open a sb acc in icici too for pre approved offers or for icici coral rupay ?

It depends on ur age
Hdfc, axis - above 18 yrs
Icici and others - 21

In hdfc try to open savings max or above variants

avoid ICICI for now

 

[Zoravar]

It depends on ur age
Hdfc, axis - above 18 yrs
Icici and others - 21

In hdfc try to open savings max or above variants

avoid ICICI for now

just turned 19 last month so ig my best 2 options for cc preapproved offers are AXIS on first as I've burgandy and then HDFC acc after 6months of having banking relation with them

 

[Zoravar]

just turned 19 last month so ig my best 2 options for cc preapproved offers are AXIS on first as I've burgandy and then HDFC acc after 6months of having banking relation with them

Also i applied for airtel axis rupay variant through the axis official site but got rejected adn the reason stated was that I don't have enough of credit history or i dont vintage history (6months of active credit history)
noe i did have mastercard and visa variant as pre approved offers in my axis mobile app but it still wanted me to fill the application of my employment and annual income and stuff now 2 months back i accidentally filled the application where it asked my profession and i accidentally filled as salaried and it doesn't let me edit it, also i did call and escalate the issue to burgandy customer care and even mailed them and asked my RM but they were unable to rectify that as it keeps bringing me back to the part as salaried and wants me to fill my employment and salary details so wht can i do now....? cibil is 761 and Experian 776 and credit age is 4months as of march 27th


@BVC
@Abhishek012
@Fini7777
@sun156

 

[Fini7777]

Also i applied for airtel axis rupay variant through the axis official site but got rejected adn the reason stated was that I don't have enough of credit history or i dont vintage history (6months of active credit history)
noe i did have mastercard and visa variant as pre approved offers in my axis mobile app but it still wanted me to fill the application of my employment and annual income and stuff now 2 months back i accidentally filled the application where it asked my profession and i accidentally filled as salaried and it doesn't let me edit it, also i did call and escalate the issue to burgandy customer care and even mailed them and asked my RM but they were unable to rectify that as it keeps bringing me back to the part as salaried and wants me to fill my employment and salary details so wht can i do now....? cibil is 761 and Experian 776 and credit age is 4months as of march 27th


@BVC
@Abhishek012
@Fini7777
@sun156

No issue, after few months try again for any other card may be after 2 months...

Apply airtel card from airtel thanks app
After 2-3 months

Don't apply for any cards now, it unnecessarily reduces ur credit score

 

[Zoravar]

No issue, after few months try again for any other card may be after 2 months...

Apply airtel card from airtel thanks app
After 2-3 months

Don't apply for any cards now, it unnecessarily reduces ur credit score

also the thing is that the day i got rejected of the airtel rupay cc variant i got the same one as pre approved in my axis mobile the very next day, will first get the select cc with axis and then i might reapply for airtel axis so that they could see that i do hold a cc with them beforehand