https://www.desidime.com/discussions/icici-credit-card-rejection-frustrated-declined-due-to-internal-policies?page=1#post_8743793
You are not meant to get everything in life what you desire. But this is just a basic card you will get it tomorrow if not today. But if you want something at your wish/will. You better have a good ITR/ Payslip or connections. My friends elder brother is heading one of the district in Delhi (district magistrate). The first CC he got was HDFC Infinia ( which I recommended to him )LTF just for fun even without a bank account
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You are not meant to get everything in life what you desire. But this is just a basic card you will get it tomorrow if not today. But if you want something at your wish/will. You better have a good ITR/ Payslip or connections. My friends elder brother is heading one of the district in Delhi (district magistrate). The first CC he got was HDFC Infinia ( which I recommended to him )LTF just for fun even without a bank account
After that I did an experiment which turned out to be successful.
I Opened an hdfc bank account, used it as my primary account for transactions. Used its debit card frequently. Created an FD for 2-3 months OR kept 50k plus in my account for next few months. Got a pre-approved cc offer in 6 months of opening that account. No income proof or physical verification was required.
Then I asked my brother to open an icici bank savings account, asked him to follow the same steps. Within 8 months of opening the account he got a pre-approved offer for LTF coral credit card. No income proof needed.
He is a student.
From my understanding, Their internal criteria (for pre approved card) is nothing but a good mix of debit card transactions, FDs even for very short term, and good balance in savings account.