Credit Card for HouseWife

U r an existing ICICI Bank customer?

VimAl_Raj wrote:

U r an existing ICICI Bank customer?

For house wife’s its tough without FD or Bank account etc due to income proofs

Unless u are getting a deal like Apay card for etc, then apply for a separate card.
Else just have her an add-on card.

thanks @vimvim, @ Manitian. Yes, i applied for ICIC Amazon Pay card for her and received with lower limit.
Later, SBI card associate said based on ICICI card, i can apply for SBI simply click card for her. But later it got rejected.
any workaround?

Credit card for wife = Suicidal

Loveall wrote:

thanks @vimvim, @ Manitian. Yes, i applied for ICIC Amazon Pay card for her and received with lower limit.
Later, SBI card associate said based on ICICI card, i can apply for SBI simply click card for her. But later it got rejected.
any workaround?

How did you apply for apay card without income?

@andromeda She is amazon prime customer and applied from amazon and the application was accepted and approved. Given aadhar and pan card.. no other docs

intention is to get benefits of SBI simply click milestone benefits … which i already availed on my card

Loveall wrote:

@andromeda She is amazon prime customer and applied from amazon and the application was accepted and approved. Given aadhar and pan card.. no other docs

No income documents right?

suman1520 wrote:

No income documents right?

@suman1520 yes thats correct… seems they have taken the CIBIL score from PAN.

Loveall wrote:

thanks @vimvim, @ Manitian. Yes, i applied for ICIC Amazon Pay card for her and received with lower limit.
Later, SBI card associate said based on ICICI card, i can apply for SBI simply click card for her. But later it got rejected.
any workaround?

@Loveall
Your wife already had Account with ICICI at the time of applying ICICI Apay card?

Kumar_S wrote:

@Loveall
Your wife already had Account with ICICI at the time of applying ICICI Apay card?

No, she don’t have account with ICICI.

Loveall wrote:

thanks @vimvim, @ Manitian. Yes, i applied for ICIC Amazon Pay card for her and received with lower limit.
Later, SBI card associate said based on ICICI card, i can apply for SBI simply click card for her. But later it got rejected.
any workaround?

No workaround other than getting a fd based simplyclick advantage card.

guest_999 wrote:

No workaround other than getting a fd based simplyclick advantage card.

thanks @critic appreciate your suggestion

Loveall wrote:

@suman1520 yes thats correct… seems they have taken the CIBIL score from PAN.

CIBIL score can be generated only if you have an existing credit history, either an existing credit card or loan. Banks have to make sure that the credit card holder has a regular monthly take home income comparable to the credit limit. Amazon pay seems to be issuing credit cards to improve their customer base rather than based on industry norms

Loveall wrote:

thanks @vimvim, @ Manitian. Yes, i applied for ICIC Amazon Pay card for her and received with lower limit.
Later, SBI card associate said based on ICICI card, i can apply for SBI simply click card for her. But later it got rejected.
any workaround?

You should have applied after one year , you should have waited till 1 year at least?

Open a HDFC bank account and maintain balance for 2 months, then apply for a card without income docs.

flawlessking wrote:

Credit card for wife = Suicidal

Loveall wrote:

thanks @vimvim, @ Manitian. Yes, i applied for ICIC Amazon Pay card for her and received with lower limit.
Later, SBI card associate said based on ICICI card, i can apply for SBI simply click card for her. But later it got rejected.
any workaround?

How old are your amazon pay card. Card must be at least 6 months old with cibil 750+.

F7-Dimer-Primer wrote:

Open a HDFC bank account and maintain balance for 2 months, then apply for a card without income docs.

Is there any HDFC card without annual charge? How much one should maintain & are you sure HDFC issue credit card by maintaining balance in the account?

F7-Dimer-Primer wrote:

Open a HDFC bank account and maintain balance for 2 months, then apply for a card without income docs.

Mab 10k or higher?

Mufasa wrote:

Is there any HDFC card without annual charge? How much one should maintain & are you sure HDFC issue credit card by maintaining balance in the account?

There’s no guarantee per se but many including me have got a pre-approved LTF credit card just by having account with HDFC. Anything in range of 25-45k should be adequate as balance.

F7-Dimer-Primer wrote:

Open a HDFC bank account and maintain balance for 2 months, then apply for a card without income docs.

Having max account.. Maintaining more than 30k.. Still. My HDFC cc declined..m a central govt servant too..

cadence wrote:

There’s no guarantee per se but many including me have got a pre-approved LTF credit card just by having account with HDFC. Anything in range of 25-45k should be adequate as balance.

Have to maintain for how many months?

cadence wrote:

There’s no guarantee per se but many including me have got a pre-approved LTF credit card just by having account with HDFC. Anything in range of 25-45k should be adequate as balance.

I have account in HDFC opened last year. I have been maintain 40+ but never got any call msg from HDFC offering credit card? U got pre-approved card may be you must had very good credit score.

@BubbleBoyChickenLittle Yes this account is sufficient but I forgot to mention, do lots of transactions using your debit card. Using it for paying bills including credit card bills will help you. There is speculation that HDFC debit card spends help you with your credit card application.

So open account, maintain as high balance as possible like 50k+, do lots of transaction using your debit card for 2 months and apply without income docs.
@Mufasa Use Debit card. My application was rejected twice. Then I opened account, maintained 50k+, Did 150k transaction using debit card and applied in 2 months, approved without income docs. It was not pre-approved.

@vimvim About 2 -3 months with high debit card transactions. It is better if you apply through branch using salary slips. Any reason why it was rejected?

cadence wrote:

There’s no guarantee per se but many including me have got a pre-approved LTF credit card just by having account with HDFC. Anything in range of 25-45k should be adequate as balance.

Is this before corona lockdown or recently?
@F7-Dimer-Primer

F7-Dimer-Primer wrote:

@BubbleBoyChickenLittle Yes this account is sufficient but I forgot to mention, do lots of transactions using your debit card. Using it for paying bills including credit card bills will help you. There is speculation that HDFC debit card spends help you with your credit card application.

So open account, maintain as high balance as possible like 50k+, do lots of transaction using your debit card for 2 months and apply without income docs.
@Mufasa Use Debit card. My application was rejected twice. Then I opened account, maintained 50k+, Did 150k transaction using debit card and applied in 2 months, approved without income docs. It was not pre-approved.

@vimvim About 2 -3 months with high debit card transactions. It is better if you apply through branch using salary slips. Any reason why it was rejected?

Thanks, kg

Loveall wrote:

@suman1520 yes thats correct… seems they have taken the CIBIL score from PAN.

i got my simply click thru same way. they just took my aadhar and pan photo and gave me ₹ 1.5 lakh limit. @andromeda

guest_999 wrote:

Is this before corona lockdown or recently?
@F7-Dimer-Primer

no bro, after lockdown. I opened account around July 15, Got Card on 4th OCT.