How to get SC credit card

[SachuHopes]

Hi Team,

How to get an SC credit card, I've applied 3 times and all three have been denied, I've had savings account with them for almost 2 years now.


Recently I applied for SC EasymyTrip card again as I getting pre-qualified emails but they declined my application stating that I do not have enough credit history. However, I have 17 credit cards according to Cibil with six years of history and zero payments delay

By the way, they offered me a pre-approved offer for the DigiSmart card a couple of months ago, and I applied, but I haven't heard anything from them since then, so I'm assuming they declined my pre-approved offer as well.


@Wealth is my birth right! @TechnoFino

 

[starstruck]

Casa means?

Current Account Savings Account

 

[ray8285]

Scb only issues to salaried persons

So, the 36 lakh ITR requirement for the self employed mentioned during the time of SCB CC application is bogus then ?

 

[kunal89]

SC and HSBC is pretty much strict with their approval to only salaried person, that too mostly MNC employee. I got my SC smart and ultimate pretty easily being in MNC

 

[deep@vie]

So, the 36 lakh ITR requirement for the self employed mentioned during the time of SCB CC application is bogus then ?

Yes,could be for account holder

 

[deep@vie]

Casa means?

Current account savings account

 

[ray8285]

Yes,could be for account holder

This requirement is displayed even after you select that there is NO relation with SCB !

 

[deep@vie]

This requirement is displayed even after you select that there is NO relation with SCB !

Then,that's misguiding, SCB,HSBC,CITI, these are known for issuing to salaried only

 

[DarthYoda]

What are the chances (if at all) of getting a sc card if no Inquiries since 6 months, cibil 765 and credit age is around 1 year and self employed?

 

[deep@vie]

What are the chances (if at all) of getting a sc card if no Inquiries since 6 months, cibil 765 and credit age is around 1 year and self employed?

SC doesn't issue to self-employed

 

[4uziaul]

SC doesn't issue to self-employed

They do criteria is very high. Not worth it at all.

 

[deep@vie]

They do criteria is very high. Not worth it at all.

Please enlighten on this Gurudev

 

[4uziaul]

Please enlighten on this Gurudev

A 36L ITR is required for self-employed individuals. One of my friends, who is also self-employed, holds a card from SC. Although it might be irrelevant, a few years ago, my father was pre-approved for their Manhattan card; I'm unsure if it's being issued now. This is why I mentioned that the criteria for self-employed individuals to get basic cards is quite stringent.