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?

 

[leonneel]

Same for me, all above 3 are LTF, but I picked Premier card.

U applied? I'm gonna soon apply. Problem is my wifes aadhar and mine are linked to same phone number and she already has an account and cc so I can't apply for me. Tomorrow gonna change her aadhar and bank acct number then apply fresh from my number. If they reject then shall open an acct, make a fd and get fd based card. Simple.

 

[SSV]

U applied? I'm gonna soon apply. Problem is my wifes aadhar and mine was linked to same phone number and she already has an account and cc so I can't apply for me. Tomorrow gonna change her aadhar and bank acct number then apply fresh from my number. If they reject then shall open an acct, make a fd and get fd based card. Simple.

Instead of that why can’t you get another mobile number for you??
If it’s complicated, ignore this

 

[jetesh]

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?

Credit Card against FD

 

[Deepak_Shetty]

U applied? I'm gonna soon apply. Problem is my wifes aadhar and mine was linked to same phone number and she already has an account and cc so I can't apply for me. Tomorrow gonna change her aadhar and bank acct number then apply fresh from my number. If they reject then shall open an acct, make a fd and get fd based card. Simple.

Yes, card got delivered already. Is FD based card convenient? Card will get closed once our FD is matured.

 

[jetesh]

Yes, card got delivered already. Is FD based card convenient? Card will get closed once our FD is matured.

Nope ..... FD is on the auto-renewal option.

 

[Nishan11]

How did you apply ? Surrogate?

You can read my application journey

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

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...

www.technofino.in

 

[Deepak_Shetty]

Nope ..... FD is on the auto-renewal option.

What will happen once you withdraw FD? It's better to go for unsecured card first if we are eligible.

 

[leonneel]

Instead of that why can’t you get another mobile number for you??
If it’s complicated, ignore this

I got HER a new number now just gotta transfer all bank acct and cc to that number.
I have been ignoring for this hassle for years but now I gotta get a bob rupay card now and it's urgent now.
It was a funny story getting her bob card. When I applied for her from the branch cc agent she had no cibil and this was the first cc for her. No income documents or nothing she had and she was (still is) just a housewife. All she had was a fd of 1L in her bob bank acct. Initially I had told the cc agent to apply for fd based cc but he applied her bob easy.
So obviously it was gonna get rejected and I got the rejection email and I replied reconsidering the cc application and approve the application. Also mentioned about the fd based card apply but the agent applied for unsecured easy card.
And the email done the trick and the application was approved giving her 15k limit and I was so surprised.😂

 

[jetesh]

What will happen once you withdraw FD? It's better to go for unsecured card first if we are eligible.

First, you have to close your card, and then only you can withdraw your FD amount. They marked a lien on your FD.

 

[leonneel]

Yes, card got delivered already. Is FD based card convenient? Card will get closed once our FD is matured.

U wouldn't have any issue as u got salary slip and all lol😬

 

[Deepak_Shetty]

I got HER a new number now just gotta transfer all bank acct and cc to that number.
I have been ignoring for this hassle for years but now I gotta get a bob rupay card now and it's urgent now.
It was a funny story getting her bob card. When I applied for her from the branch cc agent she had no cibil and this was the first cc for her. No income documents or nothing she had and she was (still is) just a housewife. All she had was a fd of 1L in her bob bank acct. Initially I had told the cc agent to apply for fd based cc but he applied her bob easy.
So obviously it was gonna get rejected and I got the rejection email and I replied reconsidering the cc application and approve the application. Also mentioned about the fd based card apply but the agent applied for unsecured easy card.
And the email done the trick and the application was approved giving her 15k limit and I was so surprised.😂

My wife is also a house wife but she was an employee before marriage. Now she has 5 unsecured credit cards from 3 bank. (2 from HDFC, 2 from Axis and 1 from RBL, highest limit is 78k). Got all credit cards after marriage only.

 

[jetesh]

My wife is also a house wife but she was an employee before marriage. Now she has 5 unsecured credit cards from 3 bank. (2 from HDFC, 2 from Axis and 1 from RBL, highest limit is 78k). Got all credit cards after marriage only.

that because of her CIBIL and past history with bank.

 

[Deepak_Shetty]

that because of her CIBIL and past history with bank.

Yes, and out of 5, 4 cards are LTF. And she is NTB for Axis and RBL.

 

[Deepak_Shetty]

Yes, and out of 5, 4 cards are LTF. And she is NTB for Axis and RBL.

I was struggling too much to get Axis (Especially Ace card) during launch time (for more than 1.5 years) due to single name issue. As I was NTB for Axis, I don't have any pre approved offer before 1st axis card. I got axis card after 1.5 years (Later axis website was allowing to use single name during application).
But My wife got ACE card as 2nd Axis card. That is too as pre approved offer without any effort.
She got all 5 cards without much effort.

 

[leonneel]

My wife is also a house wife but she was an employee before marriage. Now she has 5 unsecured credit cards from 3 bank. (2 from HDFC, 2 from Axis and 1 from RBL, highest limit is 78k). Got all credit cards after marriage only.

Now I got my wife 4 cards, 1 bob,2 idfc, 1 kotak... recently applied for sbi rupay and when call verification came she told she can't talk in Hindi pls talk in Bengali, then the verification woman told to wait for someone from bangali dept shall call her but it's been 20 days no call came.
And recently hdfc was rejected after office verification ( showed a friend's shop and told him she works there (lie) lol)

 

[MURALIKRISHNAN]

bob credit card rejected after home and office verification

 

[Deleted member 30446]

My mom got it without any documents. Do it c2c with any card with a limit above 2 lakhs.

 

[Deleted member 30446]

bob credit card rejected after home and office verification

What did they say? If they don’t give reason write to pno quoting rbi rule that they have to provide reason for decline.

 

[MURALIKRISHNAN]

What did they say? If they don’t give reason write to pno quoting rbi rule that they have to provide reason for decline.

We regret to inform you that at present we are unable to process your application as per our internal policies. Please note that the current Rejected decision is in no way reflective of your credit stature, and we will be happy to consider your application when you apply again with updated financial information later.

 

[SSV]

We regret to inform you that at present we are unable to process your application as per our internal policies. Please note that the current Rejected decision is in no way reflective of your credit stature, and we will be happy to consider your application when you apply again with updated financial information later.

May be you CIBIL score of 736 was too low for them.. but my question is why did they do physical verification even after knowing that your CIBIL is low…

Did you notice any negative remarks during your physical verification??
Did you provide same docs during home verification as that of application process??
Or different docs?? Like address proof etc