Okay Recently I got the Amazon pay credit card on 19 July 2024.
I'm a student right now, not a college student, preparing for competitive exams. So I have no income proof. Even I don't have any relationship with ICICI.
My cibil was 788 at the time of application.
So previously I was rejected 2 times for the Amazon pay credit card, 1st time ( mid 2021) instantly declined after submitting the application.
2nd time (Mid 2022) after video kyc I was not able to submit the income proof.
So after the rejection I thought I should wait.
So I got a FD card from one card with the basic 2k FD and 2.2K limit.
I used the card regularly for small payments like 200 to 300 maximum. And pay the bill on time.
Also I use Amazon app regularly from the beginning, so I continued to do that.
Last year my total orders are 226 including recharges and bill payments, this year till now 149 orders.
So on January 2024 I was offered the Amazon pay later ( I know everyone got the pay later on early stage, but I didn't get the offer don't know why, my brother got the pay later after few months of account opening). So I activate the pay later as well, got 2k limit but within 2 days they offered to increase it 35k, I upgrade the limit.
And continue to use the pay later as well, and pay the bills on the first day.
Even one thing I want to mention my maximum orders were below 1000 on Amazon. Just bought a monitor and some other pc components last year October worth 10k or 11k. So my spendings are not that high.
So now come to June, I was browsing the Amazon app and saw the credit card application page, i just entered and came back, did not complete the process.
Then instantly I got a call from ICICI and they were asking me if I have completed the process or not, I said i will not complete as I have no income proof.
Then they told me that you will get with out income proof. I decided to cross check so I simply denied. And again did the same process ( just open the application and went to the name email id page and came back) again I got the call and again I denied.
I did This more than 10 times 😝.
So finally on 15 July 2024 I took the decision that I will submit the application this time, so after getting the call I accepted the offer and submitted the application. Surprisingly I don't have to complete the video KYC, I guess they have the data from my 2nd application.
So the application submitted and showing 3 green tick.
Now no response on 16 July, 17 July was holiday, 18 July no response, 19 July I got a sms that action required and my credit card is approved. But didn't received any mail.
I called the help line and confirmed the approval and asked them the limit, they told me 1 lakh.
On 22 July I received the physical card.
This is my first unsecured credit card.
