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?

 

[Rohith-2009]

Most of us already have good portfolio of cards and BOB offers nothing too special.
Points on wallet load is something that can be withdrawn anytime, and they have updated their TnC already, It's just a matter of time they implement it.
May be I am sounding sour grapes but I am not going to chase them anymore.

Bob Snapdeal offers 2.5 cb till 33333 amount. As of now for wallet load also. It's good cashback good for offline

 

[bigbyte]

Bob Snapdeal offers 2.5 cb till 33333 amount. As of now for wallet load also. It's good cashback good for offline

Of course their are some benefits that's why it was applied for in first place. My point is most of these benefits depend till it is giving points on wallet load.

 

[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?

Kidnap his children

 

[jetesh]

Kidnap his children

And later on, share your experience. How many days did they take for approval, the credit limit, the number of days it took to deliver, and any extra privileges offered by the bank?

 

[SSV]

May be work profile also matters. I am working at Central PSU company. I think @Nishan11 also working under state government. May be they are giving preference to government related companies.

close but no cigar .. rejected after physical verification .. no docs asked.....
escaped with one cibil hit..
okay , I tried once atleast...
so, Infinia is not good enough for BOB the builder..
Thy did not even ask for any further docs as well..
may be they give it to govt employees mainly..
anyway ..moving on .....

 

[Deepak_Shetty]

close but no cigar .. rejected after physical verification done with no docs asked.....
escaped with one cibil hit..
okay , I tried onc atleast...
so, Infinia is not good enough for BOB the builder..
Thy did not even ask for any docs as well..
may be they give it to govt employees mainly..

View attachment 50037

Strange, really I can't predict any reason for rejection. Send reconsideration request once, they will definitely approve your application.

 

[SSV]

Strange, really I can't predict any reason for rejection. Send reconsideration request once, they will definitely approve your application.

i have about 16 enquiries in 6 months.. do they matter?

 

[MONEY]

i have about 16 enquiries in 6 months.. do they matter?

yes, federal and BOB don't approve if more than 4 inquiries.

 

[SSV]

yes, federal and BOB don't approve if more than 4 inquiries.

Thanks for the info...
I suspected so ... will try after 6 months if they dont devalue eterna by then....

add SC to that list as well

 

[Vasuki]

yes, federal and BOB don't approve if more than 4 inquiries.

Where did u come up with such data

 

[SSV]

Where did u come up with such data

its not data.. its from experiences (of own/ others) ...
Like I had experienced now...

 

[MONEY]

Where did u come up with such data

my experience + gathered knowledge through the internet.

 

[BVCBVC is verified member.]

Does CIBIL enquiries matters for BOB credit card applications?

 

[jetesh]

Does CIBIL enquiries matters for BOB credit card applications?

Not at all, bro. Only ED inquiries matter these days.

 

[SSV]

Does CIBIL enquiries matters for BOB credit card applications?

Apparently so.. I will tell you in 6 months

 

[Ram1]

Same, rejected after positive physical verification

close but no cigar .. rejected after physical verification .. no docs asked.....
escaped with one cibil hit..
okay , I tried once atleast...
so, Infinia is not good enough for BOB the builder..
Thy did not even ask for any further docs as well..
may be they give it to govt employees mainly..
anyway ..moving on .....

View attachment 50037

 

[Nishan11]

i have about 16 enquiries in 6 months.. do they matter?

I am one of the topper of having number of enquiries in 1 year. 😂
It should not matter. Please send reconsideration email. No harm in one last try. You already got cibil hit.

 

[Rohith-2009]

close but no cigar .. rejected after physical verification .. no docs asked.....
escaped with one cibil hit..
okay , I tried once atleast...
so, Infinia is not good enough for BOB the builder..
Thy did not even ask for any further docs as well..
may be they give it to govt employees mainly..
anyway ..moving on .....

View attachment 50037

They rejected my application too. I asked reason. They mentioned something in kotak statement. I didn't attach kotak statement. So I told them to check the statements properly. After checking my bank statements, they approved it. So you should get the rejection reason and guide them and those employees are stupid.

I think Bob doesn't care about enquires

 

[bigbyte]

may be they give it to govt employees mainly..
anyway ..moving on .....

View attachment 50037

Govt employees are getting two CIBIL hits and yet no approval. 😂

 

[bigbyte]

It is not fair at all ..hitting CIBIL twice..
Physcial verification done or not??
If I remember well.. no physical verfication also .. right??

I couldn't Control myself and today Morning I sent them a strong worded email.
Khoob gaali diya and told that I won't provide any more documents, reject my application with proper justification else I'll raise it to RBI.