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My American Express smart earn credit card approved

VikasAdvocate

VikasAdvocate

TF Buzz
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.
 

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SSV said:
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
Click to expand...
There are multiple cibil hits for each application ? Or does Amex access the same enquiry ?
 
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VikasAdvocate said:
What does it mean?

“2 Credit cards and one charge card..”
Don’t understand this
Click to expand...
the following are credti cards, which means these will have fixed Credit limit.
1)Smart earn
2)MRCC
3)Plat Travel
4)Plat Reserve

The following are Charge cards:, which means there is no predefined Credit limit on these cards, theoritically no fixed limit, you can spend as much as the amex algo allows you to spend.

1) Gold Card
2)Platinum Card
 
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Priority Pass is like a invitation to join the lounge. And even though you have invitation, you'll have to pay the price.
But the most important thing is without priority pass, you'll not be allowed to join the lounge.
 
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Referral link is same for all cards my dear. You can open the link and then click on other cards and you will be able to apply.
But Plat Travel, I would suggest because it has no joining fees currently with the referral while other cards have joining fees.
You can use it for a year and understand yourself how useful it is.
 
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manojsurya99 said:
Referral link is same for all cards my dear. You can open the link and then click on other cards and you will be able to apply.
But Plat Travel, I would suggest because it has no joining fees currently with the referral while other cards have joining fees.
You can use it for a year and understand yourself how useful it is.
Click to expand...
It shows joining fees. While opening the link
 
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vajra said:
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)
Click to expand...
Do you have any late payment or high loan amount in Cibil ?
 
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