https://www.desidime.com/discussions/my-credit-card-not-getting-approved-despite-having-a-cibil-more-than-750?page=1#post_8575379
Who told you that credit score above 750 gives guaranteed credit card?
My credit card not getting approved despite having a cibil more than 750
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I work for Indian railways and have a Bob credit card.
Whenever I am applying for axis,icici ,Amazon pay icici credit card it's getting rejected straight away.
I don't have any loan till date.
I only have a Flipkart pay later in which there is no due.
Please suggest me on how to get a credit card and where am i going wrong?
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https://www.desidime.com/discussions/my-credit-card-not-getting-approved-despite-having-a-cibil-more-than-750?page=1#post_8575402
Don't apply and get rejected for too many in a row.
Give it 6 months.
https://www.desidime.com/discussions/my-credit-card-not-getting-approved-despite-having-a-cibil-more-than-750?page=1#post_8575755
I read similar cases here:
Increase your limit with BoB and apply for new card on C2C only;
Fill up employment as 'self employed' never mention govt job until you get Axis/ICICI/HDFC cards
also open HDFC SB a/c and maintain good bal to get pre-approved card
https://www.desidime.com/discussions/my-credit-card-not-getting-approved-despite-having-a-cibil-more-than-750?page=1#post_8575964
You are not alone Infact many have got rejection despite having very good CIBIL score, & Salary slip. I don't know what is the logic behind the rejection. As far I know if you frequently apply for credit cards & get rejection & you keep applying credit cards of different banks. Wait at least 3 months before applying again.
https://www.desidime.com/discussions/my-credit-card-not-getting-approved-despite-having-a-cibil-more-than-750?page=1#post_8575995
Your pincode also matters, if you live in a neighborhood where lots of people don't pay loans or cc bills on time you'll get rejected
https://www.desidime.com/discussions/my-credit-card-not-getting-approved-despite-having-a-cibil-more-than-750?page=1#post_8577255
ansh7 wrote:Who told you that credit score above 750 gives guaranteed credit card?
Just saw somewhere that this is also one of the criteria.
https://www.desidime.com/discussions/my-credit-card-not-getting-approved-despite-having-a-cibil-more-than-750?page=1#post_8577304
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kunal.contactme339 wrote:Just saw somewhere that this is also one of the criteria.
'just one' not 'only'
https://www.desidime.com/discussions/my-credit-card-not-getting-approved-despite-having-a-cibil-more-than-750?page=1#post_8578059
timelord wrote:Heard first time but yes this can also a reason.Your pincode also matters, if you live in a neighborhood where lots of people don't pay loans or cc bills on time you'll get rejected
https://www.desidime.com/discussions/my-credit-card-not-getting-approved-despite-having-a-cibil-more-than-750?page=1#post_8578440
Check the full report once. Did you have any loan settlements made in the past? Some banks allow CC based on city you are residing at.
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Your pincode also matters, if you live in a neighborhood where lots of people don't pay loans or cc bills on time you'll get rejected
Don't apply and get rejected for too many in a row.
Give it 6 months.