Opening a savings Account with Bank of Baroda; What are my chance of getting a Pre-approved Credit Card from BOB
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As Recently RBI has lifted the ban on onboarding of new customers on BOB Mobile app, I am planning to open a Bob lite savings account with platinum rupay debit card keeping min balance so I could waive off the card charges too
I am also trying to obtain BOB snapdeal Credit card. BOB is known for repeatedly asking for salary slip and ITR for credit card applications and take a long time for approval.
I wanted know if Bob provides pre approved Credit Cards for saving account holders so I could also byepass cumbersome cc application process and save time, moreover I am located in semi urban where I don't know the pincode is serviceable or not.
Anyone who has experience with Bob savings account please share your views on this
TIA
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Do you have Bob saving account?
If yes did you get any pre-approved cc with it?
BOB does not have a concept of pre-approved credit cards yet even if you have bank account. They need income proof. Unless you're an ultra HNI with huge wealth in your BOB account in which case you can approach them for BOB Eterna. (I know a few people who got Eterna by quoting their ultra HNI relationship, but normal people don't get a CC via this route ever).
I got Eterna paid few months back with no prior relationship. I am by no means HNI , in fact I would consider my salary average if not below average.
I think the trick is to apply on Eterna’s page. When I applied for Premier, it approved with lower limit. When I tried some days later on Eterna’s page it approved that instead with double the limit.
Was your salary account?
BOB does not have a concept of pre-approved credit cards yet even if you have bank account. They need income proof. Unless you're an ultra HNI with huge wealth in your BOB account in which case you can approach them for BOB Eterna. (I know a few people who got Eterna by quoting their ultra HNI relationship, but normal people don't get a CC via this route ever).