What is your trick to get pre approved loan and credit card offer from bannks

[Mahirathore360]

i have seen some people gets pre approved loan offer from banks without any income proof. i don't know what is the trick but i think members of this community knows that surely. tell me how you tricked banks to provide you pre approved loan and credit card offer ?

 

[Anupama_Jha]

i have seen some people gets pre approved loan offer from banks without any income proof. i don't know what is the trick but i think members of this community knows that surely. tell me how you tricked banks to provide you pre approved loan and credit card offer ?

There's no trick. It's generated by system completely dependent upon ur timely payments, cibil, and spending behaviour.

 

[Piyush_Jaiswal]

There's no trick as such. If you have good credit score and you check it on their app, then they will obviously give you pre approved offers.

If you don't have credit score then maintain good balance and transact frequently, you may get pre approved offers.

 

[Mahirathore360]

There's no trick. It's generated by system completely dependent upon ur timely payments, cibil, and spending behaviour.

and there is a trick and some activities they do which makes the system favorable to give such offer quikly

 

[Piyush_Jaiswal]

and there is a trick and some activities they do which makes the system favorable to give such offer quikly

That's not trick. They maintain balance and transact frequently using UPI, Debit Card, NetBanking. Do some IMPS, NEFT, RTGS, Cheque, Cash transaction.

That's not trick. That's possible only when you have money. Banks give pre approved offers only to those who already have money 😂

 

[Mahirathore360]

That's not trick. They maintain balance and transact frequently using UPI, Debit Card, NetBanking. Do some IMPS, NEFT, RTGS, Cheque, Cash transaction.

That's not trick. That's possible only when you have money. Banks give pre approved offers only to those who already have money 😂

exactly, whatever you said comes under the trick , you kind of manipulating the bank system by doing transactions and using their prodect with aim to get pre approved offer, it makes the System to think that you have mone and you deserve the offer

 

[Piyush_Jaiswal]

@Mahirathore360 Only thing I would suggest you to get a Credit Card on FD with whatever amount you have currently. Use the card and make timely payments. After 6 months, you will have good credit score and will get pre approved offers.

This is a better and guaranteed way. Unline maintaining balance and doing some shitty tricks which may or may not give pre approved offers. You will have to wait for 6 months in that case also. And you will get offers with only the bank you were doing tricks.

But having a good credit score will make all banks to give you pre approved offer.