Negative balance in statement during credit card application

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Johnny_Depp

Hi, I am applying for icici cc (I have no account with icici) and they have asked for 3 months bank statement of my Hdfc account. Last month I had low funds in my account and an auto debit for LIC was dishonoured and my balance went negative. I added funds from my other account immediately. Will this affect my application in any way ? is it better to wait 2 more months for this entry to not show up ?
 

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It may affect your card limit

Punjab Kings Punjab Kings
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Applied c2c?

Deal Cadet Deal Cadet
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caks2006407 wrote:

It may affect your card limit

How? 

Hotshot Hotshot
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bhopali91355 wrote:

How? 

it will seem irresponsible behavior to the bank as the applications like this are manually processed so there is some human analyzing things on the other side.

postpone for 2 months bro.

Cool Cool
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Johnny_Depp wrote:

yeah

I think c2c doesn’t require bank statement.

Hotshot Hotshot
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tenon09 wrote:

I think c2c doesn’t require bank statement.

icici asks sometimes

Hunk Hunk
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naah. There are other factors involved too such as cibil, current credit card limit etc. 


Deal Newbie Deal Newbie
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bikidas2060 wrote:

naah. There are other factors involved too such as cibil, current credit card limit etc. 


current CL is 150k, cibil score 728. I think low score might also impact the application. This is the first score I got after opening cc in March. before that it was NILHDFC hasn’t updated the score after that

Hunk Hunk
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Johnny_Depp wrote:

current CL is 150k, cibil score 728. I think low score might also impact the application. This is the first score I got after opening cc in March. before that it was NILHDFC hasn’t updated the score after that

hey, bhai. Then postpone the plan to get a new CC right now. Allow the credit score to get to atleast beyond 750. You might get low limits. 

Deal Cadet Deal Cadet
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For truly C2C applications, nothing more than the existing card is required

Deal Newbie Deal Newbie
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bikidas2060 wrote:

hey, bhai. Then postpone the plan to get a new CC right now. Allow the credit score to get to atleast beyond 750. You might get low limits. 

yeah, i saw same advice in multiple DD threads. its just HDFC is not offering much offers in amazon compared to icici and it is tempting 😅

Punjab Kings Punjab Kings
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Johnny_Depp wrote:

online through website

How to apply c2c online?

Deal Newbie Deal Newbie
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nikniknik wrote:

How to apply c2c online?

at the bottom of the form, they ask if we have a cc already. if you select yes, then new fields will be displayed asking which bank, credit limit and no of years you have been using that card etc

for no of years, I put the year from which I have Hdfc account and not year in which I got the cc since they ask for min 2 year old cc 😂 

Deal Subedar Deal Subedar
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Edit and send it.
Banks can’t cross check other bank statements.
Achi editing Krna par laughing

Deal Captain Deal Captain
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M.MAHI wrote:

Edit and send it.
Banks can’t cross check other bank statements.
Achi editing Krna par laughing

Wrong advice. Don’t do this, bro.

Critic Critic
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M.MAHI wrote:

Edit and send it.
Banks can’t cross check other bank statements.
Achi editing Krna par laughing

They kind of can via cibil report which clearly shows the age of all loan acc/credit cards.

Deal Newbie Deal Newbie
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I already gave the wrong duration. my account is 3 years old while cc is 3 months old. In the form I said cc is 3 years old.

I just wanted to submit the application and take chance of getting accepted / rejected 😅

Punjab Kings Punjab Kings
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Johnny_Depp wrote:

I already gave the wrong duration. my account is 3 years old while cc is 3 months old. In the form I said cc is 3 years old.

I just wanted to submit the application and take chance of getting accepted / rejected 😅

You should submit doc if cibil enquiry is done

Deal Newbie Deal Newbie
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nikniknik wrote:

You should submit doc if cibil enquiry is done

what doc ?

I cancelled the application when they asked to schedule video kyc call. will there be a cibil enquiry still ?

Deal Subedar Deal Subedar
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guest_999 wrote:

They kind of can via cibil report which clearly shows the age of all loan acc/credit cards.

Bro CC dept asked for Bank statement not CC statement if I’ve not read it wrong 🙂
Do how can they cross check and confirm wheather it’s genuine or not ?


Deal Subedar Deal Subedar
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UniqueDimer wrote:

Wrong advice. Don’t do this, bro.

And why so ?
Pls let me know

🙂

Critic Critic
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M.MAHI wrote:

Bro CC dept asked for Bank statement not CC statement if I’ve not read it wrong 🙂
Do how can they cross check and confirm wheather it’s genuine or not ?


Yeah I overlooked the fact that you were talking about other banks statements & not cc statements. However, you actually can’t edit bank statements without clearly showing it is modified. All banks(at least the major ones) txns statements nowadays come with protected pdf digital lock embedded in pdf file & no pdf editor will be able to edit these pdf files directly. Your only option is to take another print of these opened pdf to another typical non protected pdf file & then edit it but then that pdf file will not be having the protected pdf digital lock so easy to tell it is not the genuine one.

Deal Newbie Deal Newbie
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checked cibil report just now and there is an entry from icici saying personal loan for 150k. Will this affect my score ? Those guys have sent enquiry as soon as I submitted application 😑

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