Help regarding amazon pay icici card

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Mumbai Indians
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My cibil score is 750 plus
Apply now button appear on amazon home page
I am student
How can I apply so that my card approved
I don’t have icici account and don’t have any credit card
Suggest me!

43 Comments  |  
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My cibil score is 850 + I am a student and don’t have any credit card.
How come did this happen ? hushed flushed

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MrKool_JJ wrote:

My cibil score is 850 + I am a student and don’t have any credit card.
How come did this happen ? hushed flushed

Shopping so much from single debit card

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amitsrt786 wrote:

Now answer of my question please @MrKool_JJ

I don’t think that purchases done through DC has any effect on Cibil score.
If you are getting an option to apply direct apply it from their app and do video kyc for faster response for your approval.

Still tagging @guest_999 @Ramta_Jogi @manikantaks4u @hotchap @adi22raj for better understanding.

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VimAl_Raj wrote:

Using debit card improve CIBIL score?? flushed flushed stuck_out_tongue_winking_eye

Ya i dont know much about this but i only do online shopping

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MrKool_JJ wrote:

I don’t think that purchases done through DC has any effect on Cibil score.
If you are getting an option to apply direct apply it from their app and do video kyc for faster response for your approval.

Still tagging @guest_999 @Ramta_Jogi @manikantaks4u @hotchap @adi22raj for better understanding.

If i fill self employed than they asking official email id
Dont know what to do!

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amitsrt786 wrote:

If i fill self employed than they asking official email id
Dont know what to do!

They will surely reply.
Don’t know much about it since your are just a student now.

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MrKool_JJ wrote:

I don’t think that purchases done through DC has any effect on Cibil score.
If you are getting an option to apply direct apply it from their app and do video kyc for faster response for your approval.

Still tagging @guest_999 @Ramta_Jogi @manikantaks4u @hotchap @adi22raj for better understanding.

DC usage won’t improve cibil score
But if so many dc emi are taken and cleared, in this case there’s a chance but not sure.

If no cc, but with only dc and if there’s a home/car loan (secured) emi, then there’s a change of good cibil.

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MrKool_JJ wrote:

They will surely reply.
Don’t know much about it since your are just a student now.

Who will reply?
They asking company registered email where I am working like @ jio.com

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amitsrt786 wrote:

If i fill self employed than they asking official email id
Dont know what to do!

If you mention “Self-Employment”, then they will ask you for ITR (+ May be your business address)
Anyways if you don’t mind getting rejected, then apply for the card and if they ask you for salary slips or ITR (Video or Physical KYC).. then tell them that your Annual income is less than 2.5L smile

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amitsrt786 wrote:

Who will reply?
They asking company registered email where I am working like @ jio.com

Dimers who were tagged above.

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getready wrote:

If you mention “Self-Employment”, then they will ask you for ITR (+ May be your business address)
Anyways if you don’t mind getting rejected, then apply for the card and if they ask you for salary slips or ITR (Video or Physical KYC).. then tell them that your Annual income is less than 2.5L smile

But when i enter self employed they asking business email id

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That is fake CIBIL Score. Use Onescore or wishfin app to check score. Most likely it will show no records found.

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amitsrt786 wrote:

But when i enter self employed they asking business email id

Give them an email id with Fake Business reference
Even those who give tutions and earn monthly income are also self-employed
Mention.. believable reference stuck_out_tongue

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soccergiants wrote:

That is fake CIBIL Score. Use Onescore or wishfin app to check score. Most likely it will show no records found.

Ok but apply button their how should I apply so that my card get approved!

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getready wrote:

Give them an email id with Fake Business reference
Even those who give tutions and earn monthly income are also self-employed
Mention.. believable reference stuck_out_tongue

Ya but main thing is that I have to reply them with that id

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soccergiants wrote:

That is fake CIBIL Score. Use Onescore or wishfin app to check score. Most likely it will show no records found.

.

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amitsrt786 wrote:

Ok but apply button their how should I apply so that my card get approved!

Very less chance of approval unless you give fake details of employment and salary. Since this is your first card with no prior CIBIL data they will likely conduct Physical Verification of office. If no Physical verification, you will get your card.

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You can use gmail as well for work email. Worked for my friend and he got the card approved.

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amitsrt786 wrote:

Ya but main thing is that I have to reply them with that id

You can do that right ?
Anyways with just loan lines (/ PayLater ACC’s).. its not a good idea to apply for Apay CC
There are other banks which have better success rate w.r.t first time cc applications like Kotak

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RaviMehta15 wrote:

You can use gmail as well for work email. Worked for my friend and he got the card approved.

He entered self employed?

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amitsrt786 wrote:

He entered self employed?

Telling frankly, forget about this card for now. Most likely your application will be rejected. Your safest bet is to stat from not so popular credit cards at first & then gradually build your cibil/payment history, I am guessing your cibil score is due to activation of amazon pay later/flipkart pay later/paytm postpaid etc. Such score no matter how high will not get you a good credit card unless the limit(pay later/postpaid etc) approved is 40-50k+.

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amitsrt786 wrote:

He entered self employed?

No.. Working in a PVT Company but didnt have official work email.

No.. Working in a PVT Company but didnt have official work email.

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RaviMehta15 wrote:

No.. Working in a PVT Company but didnt have official work email.

No.. Working in a PVT Company but didnt have official work email.

So he entered his own gmail id?

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amitsrt786 wrote:

So he entered his own gmail id?

Yes but he already has HDFC Regalia with more than 10L limit.. Maybe thats why his card got approved.

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amitsrt786 wrote:

But when i enter self employed they asking business email id

Better don’t apply and chil with your DC only

Missing