Is there a way to apply for BOB credit cards without Income Proof?

[VibhavBilgoji]

Is there a way to apply for BOB credit cards without Income Proof?
I want to apply for Snapdeal Credit card, mainly because of its 2.5% cashback on groceries and departmental stores. But during the application it asks for Income documents. i dont have to RN, i am too lazy to get them. is there a way i can apply for this card without income documents?

 

[NShah]

Received this from escalations RN
“ We refer to your trail mail and inform you that your credit card application is under process and you will receive update about the final decision shortly.”

First they asked for DOB proof saying Aadhar ok but proof required 🤣

Next they wanted Aadhar Copy itself.

Now application is under process.

They also asked me to share other DOB proof apart from Aadhaar

 

[SplendorSuperman]

After the online application, if they don’t ask for any further docs then the process will be completed within a week, otherwise it might take up to 2 to 4 weeks… in my view

At this point I don’t even care about timeline , I’m just waiting for approval.

 

[SplendorSuperman]

I think it is going in the right direction..
Your physical verification done or not?

No ,Not yet

 

[SSV]

No ,Not yet

If you get to this stage, almost all guaranteed approval basis positive feed back

 

[SSV]

They also asked me to share other DOB proof apart from Aadhaar

Are you guys late teens or early twenties??

 

[SplendorSuperman]

Are you guys late teens or early twenties??

I’m 25 🙂

 

[SplendorSuperman]

If you get to this stage, almost all guaranteed approval basis positive feed back

I’m hopeful from the language of escalations email.

 

[NShah]

Are you guys late teens or early twenties??

Early Twenties 😃

 

[SSV]

I’m 25 🙂

Early Twenties 😃

then fair enough on part of BOB to reconfirm your age... nothing wrong I guess

 

[bigbyte]

No Luck here yet for my application. Still it shows under process. No call received either.

 

[SSV]

No Luck here yet for my application. Still it shows under process. No call received either.

card applied for.
date of application
location
docs submitted so far??

 

[bigbyte]

card applied for. Snapdeal
date of application 08/04
location MumBhai
docs submitted so far?? Sab kuch

Answers in bold

 

[SSV]

Answers in bold

then you will get your verfiication call either tomorrow or on Monday... or asking to submit further docs 😉

 

[bigbyte]

Rural location?
Iam from Maharashtra,They ask me to send documents to Mumbai email

Can you tell the Mumbai email id ?

 

[NShah]

Can you tell the Mumbai email id ?

incomplete.mumbai@bobfinancial.com. . .

 

[BhaiyaJi]

They are asking to share some WFH consent from the registered email id. Anyone faced this? I am not getting exactly what are they looking for.

 

[SSV]

They are asking to share some WFH consent from the registered email id. Anyone faced this? I am not getting exactly what are they looking for.

They want to store your dna samples while you are signing the WFH form … 😉

 

[Deepak_Shetty]

Just now, Physical verification - Home.. done..
He said there is no need for Office Verification for me...

For the first time a verification guy asked me for some Tea Money... I gave him INR 200...

Lets see what happens.. He said no office verification required.. It seems I dont need to submist any more docs...

You will get call after approval, they will ask for feed back. They will ask whether agent demanded money, about agent behavior etc. I think it's one of the reason as few member told earlier that agent was polite, very punctual etc.

 

[Deepak_Shetty]

Yeah, because he delivered the good news of no office physical verification required, I gave him 200.
Otherwise, for me to go to office and come back would have costed me more than 500 by taxi…
So a saving of 300 there plus my time!! 😉

I saved his number…
Hopefully it gets approved by tomorrow…
I think I get the standard 3L limit .. that’s enough for me…
I don’t want to be over leveraged also

'Office verification is not required'. It's not agent's decision. It's BoB instruction to them. Anyway you will get approval message by tomorrow or on Monday.

 

[SSV]

'Office verification is not required'. It's not agent's decision. It's BoB instruction to them. Anyway you will get approval message tomorrow or on Monday.

Yes , I know it’s not his decision… but he let me know that decision.. he didn’t need to let me know if he didn’t want to…
So that was sort of a favour he did to me