How to go about getting an amex credit card

[flimz]

I work for my family business & I've got 4 CCs so far. I've wanted to get an Amex for sometime now. I've applied 3 times and have been rejected all times after saying I've been "conditionally approved". Anybody else in a family business who've found a workaround? For playslips and income docs?

 

[coolguy1]

What variant are you applying for?

Depending on the limit of your current CCs and the ITR you file, anything above 4L should be fine to get the MRCC card.
That's the easiest variant to get, start with that and build your way up to other variants.

 

[shrewdoc]

Search the forum once regarding your queries.

This topic is already discussed:

How To Get An Amex Card Easily | Best Amex Credit Card For You | All Amex Card Eligibility Criteria

If you are a credit card enthusiast, then you must have an Amex card. Your credit card portfolio is incomplete if you don't have an American Express card. There are many reasons behind holding a credit card from Amex. They come up with frequent online and offline deals. Their reward system [MR...

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[theglobalinvestor]

Contact @BestBanker for assistance.

 

[flimz]

What variant are you applying for?

Depending on the limit of your current CCs and the ITR you file, anything above 4L should be fine to get the MRCC card.
That's the easiest variant to get, start with that and build your way up to other variants.

The mrcc. My income is only 3.6LPA

 

[coolguy1]

The mrcc. My income is only 3.6LPA

A lot of people with 3.5-3.8L and even some people without any income have also gotten approved for it.
It's about how you process your application, your current CIBIL and the limit of other cards.

 

[flimz]

A lot of people with 3.5-3.8L and even some people without any income have also gotten approved for it.
It's about how you process your application, your current CIBIL and the limit of other cards.

I tried via referral and the normal method, my CIBIL is 780, total limit across 4 cards is 2,25,000.

 

[flimz]

Contact @BestBanker for assistance.

How can this person help me?

 

[Deleted member 11974]

he is senior management of amex

 

[flimz]

he is senior management of amex

He hasn't been online since Saturday 😭😭😭

 

[Deleted member 11974]

He hasn't been online since Saturday 😭😭😭

he is senior management thats why he isnt online

 

[BestBankerBestBanker is verified member.]

Sorry. Was a bit occupied guys.

 

[Lobogris]

How can this person help me?

Don't waste your time. He hardly ever responds and doesn't help in any manner.

 

[flimz]

Don't waste your time. He hardly ever responds and doesn't help in any manner.

He did respond to me but unfortunately my income is not high enough for the card

 

[Lobogris]

He did respond to me but unfortunately my income is not high enough for the card

I contacted him dozens of times over several weeks but rarely got a response and finally, no help was provided.

 

[jk51]

I work for my family business & I've got 4 CCs so far. I've wanted to get an Amex for sometime now. I've applied 3 times and have been rejected all times after saying I've been "conditionally approved". Anybody else in a family business who've found a workaround? For playslips and income docs?

Apply for Smartearn/MRCC first ideally through referral. Cite self employed on application and when it comes to verification GST requirement can be worked around with a properitorship firm into a business of let’s say tuition/coaching or property brokerage. You can cite your home address as office address as well in this case. For ITR there is no work around however many a times they get back to you for additional documents wherein you can share bank statements for transactions. Sometimes they will issue straight away if you already hold cards with good limits with reasonable age of credits.