My American Express smart earn credit card approved

[VikasAdvocate]

I applied for smart earn credit card on 21.06.2024. And denial for that credit card because I fill income below 6 lakh. Then I talked to customer support of Amex team. They advised me to apply after 3 months. Then I applied for smart earn American credit card as self employed on 22.09.2024 late evening. Fill income above 6 lakh and below 8 lakh. My CIBIL is 768 as I have paid subscription of CIBIL. Yesterday on 23.09.2024 at 10:00 am I did my video kyc and upload my itr, link given in my email regarding video kyc. Today at 14:00 hrs I received email regarding approval of my smart earn credit card. Very cool process.

 

[Infamous]

Congrats on your first AMEX! Wondering why you didn't go for MRCC or Plat Travel if you have 6L income.

 

[VikasAdvocate]

Congrats on your first AMEX! Wondering why you didn't go for MRCC or Plat Travel if you have 6L income.

It has low fees. That’s why

 

[VikasAdvocate]

It has low fees. That’s why

I will apply for Amex Platinum Travel credit card after 3 months

 

[paxauquabriba-4876]

I applied for smart earn credit card on 21.06.2024. And denial for that credit card because I fill income below 6 lakh. Then I talked to customer support of Amex team. They advised me to apply after 3 months. Then I applied for smart earn American credit card as self employed on 22.09.2024 late evening. Fill income above 6 lakh and below 8 lakh. My CIBIL is 768 as I have paid subscription of CIBIL. Yesterday on 23.09.2024 at 10:00 am I did my video kyc and upload my itr, link given in my email regarding video kyc. Today at 14:00 hrs I received email regarding approval of my smart earn credit card. Very cool process.

why u choose smart earn out of the mix ?

 

[Swastik]

Congratulations, welcome to the club

 

[VikasAdvocate]

why u choose smart earn out of the mix ?

Because of high fees. I will try other credit card after 3 months Amex platinum travel credit card

 

[VikasAdvocate]

Congratulations, welcome to the club

Thank you dear

 

[Swastik]

Because of high fees. I will try other credit card after 3 months Amex platinum travel credit card

Oh yes, as an Plat Travel holder of 2 yrs i can vouch this card, look into it later

 

[VikasAdvocate]

Today I received my well packed Smart Earn American Express Credit Card.

 

[VikasAdvocate]

After how many months or week can I apply for Amex Travel Platinum card

 

[salisburry44]

After how many months or week can I apply for Amex Travel Platinum card

Can apply immediately

 

[SSV]

After how many months or week can I apply for Amex Travel Platinum card

You can apply for Plat travel right now..

in Amex you can have 3 cards in total.
2 Credit cards and one charge card..
As you already have 1 credit card ie. SE. now you can apply for another CC like MRCC or Plat Travel.
and then can apply for Gold Card..
all these cards you can pply one after another immeditaely aftert the approval..

You have to wait for 90 days for the same varaint card if it was rejected before.. otherwise you can appy them sequentially.

all the best

 

[vajra]

My CIBIL is 768 as I have paid subscription of CIBIL.

Hi bro I need some help because my AMEX application is repeatedly being ejected even though I have income proof and 789 cibil and amex isn't giving a specific and as you mentioned you have paid cibil subscription can you tell what's your reported annual income in CIBIL(available in profile information under employment details) because the culprit in my case is most likely over exposure/overleveraging so just need to confirm my hunch and was there any physical verification at work place before approval?

 

[VikasAdvocate]

Hi bro I need some help because my AMEX application is repeatedly being ejected even though I have income proof and 789 cibil and amex isn't giving a specific and as you mentioned you have paid cibil subscription can you tell what's your reported annual income in CIBIL(available in profile information under employment details) because the culprit in my case is most likely over exposure/overleveraging so just need to confirm my hunch and was there any physical verification at work place before approval?

What income do you filled in itr. You are self employed or salaried. Which variant you are applying. When will applied last. Kindly share these details.

 

[vajra]

What income do you filled in itr. You are self employed or salaried. Which variant you are applying. When will applied last. Kindly share these details.

Income in ITR- 7 lakh

Self employed

Initially I applied for smartearn which was declined followed by plat travel which was declined as well

Both these cards were applied last month when I asked the reason for decline they are giving vague reasons related to my CIBIL ( most probably the annual income reported in my CIBIL by shitty PSU bank)

 

[helloworld]

I will apply for Amex Platinum Travel credit card after 3 months

Pick based on your usage.. smartearn will give you acceptance of amex and your apprx. spends with that network card. then pick the card.

Thread 'AMEX MRCC vs Gold vs Travel vs Reserve'

Aug 19, 2024

Update 03-Sep: FYF offer not applicable on referral links too and also MRCC has full fee (probably up-to 22 Oct), do check and apply

Category	MRCC	Gold Charge	Plat. Travel	Plat. Reserve
Joining Fee (with referral + GST)	1180	₹1,180	4130	₹11,800
Joining Benefits (with referral)	2000+4000 MR (on spending ₹15,000)	6000 MR (on spending ₹15,000)	12000 MR (on spending...

• helloworld
• Replies: 32
• Forum: American Express

• 
• 

 

[VikasAdvocate]

Income in ITR- 7 lakh

Self employed

Initially I applied for smartearn which was declined followed by plat travel which was declined as well

Both these cards were applied last month when I asked the reason for decline they are giving vague reasons related to my CIBIL ( most probably the annual income reported in my CIBIL by shitty PSU bank)

Apply fresh after 3 months using referral code. Contact me after 3 months. I will give you my code. Is your location serviceable

 

[VikasAdvocate]

You can apply for Plat travel right now..

in Amex you can have 3 cards in total.
2 Credit cards and one charge card..
As you already have 1 credit card ie. SE. now you can apply for another CC like MRCC or Plat Travel.
and then can apply for Gold Card..
all these cards you can pply one after another immeditaely aftert the approval..

You have to wait for 90 days for the same varaint card if it was rejected before.. otherwise you can appy them sequentially.

all the best

What does it mean?

“2 Credit cards and one charge card..”
Don’t understand this

 

[JAM]

What does it mean?

“2 Credit cards and one charge card..”
Don’t understand this

Amex has 2 different type of cards
Credit Cards and Charge Cards.
Amex Gold Card is a charge card.