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]

1) Agent called, fixed time to visit home. Filled all details. Took selfie with me to upload in tab 😂. Took picture of building.
Always cross check details filled by agent, they can make mistakes at times.

2) Just visited office by calling me & took picture of my ID card & office building. That's it.

Physical kyc ?? Or only physical verification??

 

[Nishan11]

Again confusing 🤣

That was mistake. I checked my 5 month back application number by mistake. It was in email. So it showed rejected. So there was confusion. My apologies for this.

 

[Nishan11]

Physical kyc ?? Or only physical verification??

Physical verification of home & office. No kyc documents were asked.

 

[NShah]

@Deepak_Shetty Check application status now they are asking everything again on email

 

[Deepak_Shetty]

@Deepak_Shetty Check application status now they are asking everything again on email View attachment 48859

Just checked, it's under process now.

We have received your application and it is under process

 

[SSV]

1) Agent called, fixed time to visit home. Filled all details. Took selfie with me to upload in tab 😂. Took picture of building.
Always cross check details filled by agent, they can make mistakes at times.

2) Just visited office by calling me & took picture of my ID card & office building. That's it.

Most of the times I work from home.
In this case , will this guy call me before he visits office or he directly comes to the office without informing us??
Is it same day for both office and home verification?

 

[Nishan11]

Most of the times I work from home.
In this case , will this guy call me before he visits office or he directly comes to the office without informing us??
Is it same day for both office and home verification?

I assume it depends on verification agent. The one visited me was very polite & understanding. He asked time to visit home & work. And, then met me at the scheduled time only. And both home & office verification on same day only.

But some agents don't call before visiting,happened with me last time when my bob application was rejected in October.

 

[SplendorSuperman]

I think no vkyc required they are fetching ckyc but Bob do physical verification

I also got CKYC fetching SMS.

 

[SplendorSuperman]

Received this from CRM
Incomplete Reason: < Aadhar Card Date Of Birth Is Matching But Not Accepted As Dob Proof Other Documents Are Required For Date Of Birth Proof Ex Driving License Passport Voter Id Complete Documents>

BoB 💀

I mailed them after submitting DOB Proof . Asking the status.
“
Dear Sir/Madam,

Greetings for the day!

Your credit card application is still under process and we shall notify you with the final update very soon.

You can track your application status by visiting https://www.bobfinancial.com/track-application-status.jsp, quoting your Application number “

But Tracker still shows pending 🙂

 

[Nishan11]

Talked with customer care, card is generated today only & they will share last 4 digits on email shortly.

Confirmed card variant to be Eterna & limit is 3 L. It's good enough for me as I don't intend to spend more than this on eterna.

 

[cardy]

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?

For existing customer of more than 6month relationship merely asks income documents. Off-line agent in the branch itself process application and card is approved on account basis. But sorry about limit. They don't provide good limit in this cases. 10k, 15k,25k etc

 

[SplendorSuperman]

Talked with customer care, card is generated today only & they will share last 4 digits on email shortly.

Confirmed card variant to be Eterna & limit is 3 L. It's good enough for me as I don't intend to spend more than this on eterna.

What was the limit shown to you during application?

 

[SplendorSuperman]

Any Idea what does this mean ?

 

[jack333]

View attachment 48916
Any Idea what does this mean ?

BoB wale puri kundli nikalte ye to suna tha ab cops se bhi verification karane lag gaye ye nahi suna tha 🤣

 

[Nishan11]

What was the limit shown to you during application?

Up to 3 L. And got exactly that.

 

[SSV]

Up to 3 L. And got exactly that.

Have you submitted one month / three months statements?

 

[SplendorSuperman]

Up to 3 L. And got exactly that.

They are handing 1/3rd mostly , I used 3L CL card they showed upto 1L.

 

[Nishan11]

Have you submitted one month / three months statements?

Nothing. Only one month credit card statement of Axis Atlas.

 

[SSV]

Nothing. Only one month credit card statement of Axis Atlas.

Thanks,
before upload my docs, the web page expired and kicked me out of the application.
Is there anyblink to resume my application? Or start from the beginning?? I am wondering another cibil hit if I start from the beginning.

 

[NShah]

Thanks,
before upload my docs, the web page expired and kicked me out of the application.
Is there anyblink to resume my application? Or start from the beginning?? I am wondering another cibil hit if I start from the beginning.

Start new application after entering OTP you will get option to resume old application