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Options to get unsecured Credit Card without income source
- Thread starter Im_Gk14
- Start date
Im_Gk14
TF Buzz
Point no.1 is always a drawback & 2nd one if cibil is 750+ then approval rate may b slightly better.
Which entry level card should i give it a try for better chances though chances are low 😜
Im_Gk14
TF Buzz
any specific tips for better chances of approval of Amazon Pay ICICI even +1% may be helpful 🙂
Anil_Singh
TF Legend
Open kotak 811 and do transactions for a month or two. You might get pre-approved card. No verification of income is done.
Anil_Singh
TF Legend
No income proof if only your profile is eligible. It will show in app that you are eligible for 100% paperless process. That doesn't mean you won't be asked for income docs to be uploaded. They won't ask if they feel that you can be trusted. In your case, they felt the same way. In my case too. But not everyone gets that opportunity.
Anil_Singh
TF Legend
Try opening mine account with ICICI. And do small transactions. That will help. I did same too. Beware that some ICICI branches converts mine accounts to regular accounts if you transfer your mine account to them (nearest branch) and states that they don't support mine account in their branch. So, don't transfer your account anywhere. Same thing happened with me. I had to close within 15 days.
shubham__0720
TF Select
Try for Idfc card . Most probably you will get one.
Nope. IDFC is hardest or I would say their Selection is weirdest. I have unsecured cards from all of top banks but IDFC still shows me only FD backed card. This is when I'm their Select savings account holder.
SiddharthR
TF Legend
Try for SBI Simply Click via Cashkaro,
Rs. 1000 + 500 Rs. AGC
Rs. 1000 + 500 Rs. AGC
Anil_Singh
TF Legend
Won't the verification agent verify income? I have savings account with them since 2013 with 80k+ MAB. I was offered pre-approved card from them. Despite it was pre-approved, the verification agent verified my income details.
SiddharthR
TF Legend
I recently got SBI Cashback, no income verification, just vKYC & got it
And already had 2 pre approved cards from SBI, with no income verification
iamabhisekagar
TF Legend
Since you have onecard as unsecured...I would suggest open a 811 account in Kotak and get a secured Credit Card against a FD of Rs 5600...use it for upto 6 months and get your cibil above 750. Then go for any of the credit card mentioned above...do note that most banks don't consider a CC application with a CIBIL below 750
Im_Gk14
TF Buzz
After going through few suggestions below,
just applied for Amazon Pay ICICI CC & rejected 🙂 stating "Rejected due to insufficient/adverse of credit history being less than required policy norms".
ll wait for next 5-6 months for my Cibil to go up 750+ & ll give it a try. hope ll get one or the other job & can get a few cards without these issues 🥴
Im_Gk14
TF Buzz
thanks for everyone who have shared their experiences/ given a few suggestions 🙂.
Anil_Singh
TF Legend
You are already their customer, and probably hold their card(s) from more than a year. Hence no verification. Do you think others will not get verified?
Anil_Singh
TF Legend
I already told you the best way. You could have just opened a savings account (0 balance) with them and waited for a month or so. Do you think everyone who has a job are getting APay card? Your profile matters for them. I am self-employed (tutions, mutual funds, rental income etc) and still got 8 credit cards. Not a single rejection.
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