Hot Deal Why does residential address city matters for issuance of CC, or any bank offers ?

435°
Deal Subedar
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Right now some of us are privileged to work from home and have shifted to native hometown for the time being; however when any bank offers a CC, it specifically asks for current residential city, and because of this it get’s declined !!!
P.S: I am employed in a top tier 1 city, but right now at my hometown which is like a tier 2 city, so whenever I get any such offers, they don’t approve my native address confused

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Use a friend/relative’s address in work-city.
They will send you back to your home town.

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I think these offers are city-specific
or the local branches from tier 2/3 cities don’t have KYC documentation & verification facilities

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Use address of those cities if your friend or relative lives there
Your name
C/O Your friend’s or relative’s name
Their address
Their city
Pin code
Your mobile number

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RBI guidelines

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It depends on each bank’s/card company’s kyc procedure. If they require physical presence at current communication address then no hope but if they only inquire about person on that address for confirmation of identity then it should be fine.

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@BlueFlash

Which Banks’ cc you are interested in?

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nimod wrote:

@BlueFlash

Which Banks’ cc you are interested in?

I got a call from Yes bank for pre-approved Yes Prosperity Edge LTF, all was good and criteria matching but at the end, when I told him that I am at my hometown right now and not in my work city, so if possible can they send the card and all to my hometown, he said it’s not possible in general, still will check with his seniors and get back confused

P.S.: I know Yes banks CC are not that great (except their Yes First series CC), but still since they were giving me pre-approved ltf card, so why not laughing

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BlueFlash wrote:

I got a call from Yes bank for pre-approved Yes Prosperity Edge LTF, all was good and criteria matching but at the end, when I told him that I am at my hometown right now and not in my work city, so if possible can they send the card and all to my hometown, he said it’s not possible in general, still will check with his seniors and get back confused

P.S.: I know Yes banks CC are not that great (except their Yes First series CC), but still since they were giving me pre-approved ltf card, so why not laughing

Did you confirm if they will do residence verification?

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nimod wrote:

Did you confirm if they will do residence verification?

No verification and all; just for the delivery address it needs to be my currently work city address… I can get it delivered there and received by one of my friend as you guys suggested; it’s just that I was wondering as to why they can’t send it to my native address…

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BlueFlash wrote:

No verification and all; just for the delivery address it needs to be my currently work city address… I can get it delivered there and received by one of my friend as you guys suggested; it’s just that I was wondering as to why they can’t send it to my native address…

Something called, ‘serviceable areas’
Yes bank has very limited.

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nimod wrote:

Something called, ‘serviceable areas’
Yes bank has very limited.

I m also facing d same issue..but with Amazon pay ICICI.. while applying for it.i was in Coimbatore..now I ve moved to remote area where the doorstep KYC is not available .. neither Amazon nor ICICI pay care not providing proper response..any suggestions?

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drupal wrote:

Use address of those cities if your friend or relative lives there
Your name
C/O Your friend’s or relative’s name
Their address
Their city
Pin code
Your mobile number

But how to give address proof document for that address?

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nimod wrote:

Something called, ‘serviceable areas’
Yes bank has very limited.

Nimod rhymes with Binod 😂

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VimAl_Raj wrote:

But how to give address proof document for that address?

जाली बना लो कोई भी

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VimAl_Raj wrote:

But how to give address proof document for that address?

Your documented address will be your permanent address.
And address for delivery will be your residential/current address.

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nimod wrote:

Your documented address will be your permanent address.
And address for delivery will be your residential address.

How d Amazon KYC verification is done? Should I present there personally? If my friend shows my Original documents n provide a copy to agent.. Is that enough?

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nimod wrote:

Your documented address will be your permanent address.
And address for delivery will be your residential/current address.

Bro..

Check Ur PM..

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VimAl_Raj wrote:

But how to give address proof document for that address?

No documents needed in case of pre-approved credit card just mention another address as your new office address mark the card to be shipped to "office’’ address

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VimAl_Raj wrote:

But how to give address proof document for that address?

No documents needed in case of pre-approved credit card just mention another address as your new office address mark the card to be shipped to that "office’’ address

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drupal wrote:

No documents needed in case of pre-approved credit card just mention another address as your new office address mark the card to be shipped to that "office’’ address

Do apay ICICI also provide pre approved card? For whom? ICICI Bank SB account holders? ICICI cc holders?

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drupal wrote:

No documents needed in case of pre-approved credit card just mention another address as your new office address mark the card to be shipped to that "office’’ address

Wow! This is something new. I want to apply for Citi/AMEX/HSBC. They are not servicing to my city(tier 2). If I provide them my friend’s address of a tier 1 city (Bengaluru), will they process it & ship there? Which bank among the above don’t require physical KYC? @_one_miller_ @nimod
PS: I can meet their ITR requirements with 800 CIBIL score

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MSDfan wrote:

Wow! This is something new. I want to apply for Citi/AMEX/HSBC. They are not servicing to my city(tier 2). If I provide them my friend’s address of a tier 1 city (Bengaluru), will they process it & ship there? Which bank among the above don’t require physical KYC? @_one_miller_ @nimod
PS: I can meet their ITR requirements with 800 CIBIL score

I have a friend in amex.
I’ll update you, pm me details.

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it has got to do with recovery.
a guy will lend a person who stays in such a city where he can send recovery agents and actually recover the amount. 3rd party handles recovery who are active in major cities.

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MSDfan wrote:

Wow! This is something new. I want to apply for Citi/AMEX/HSBC. They are not servicing to my city(tier 2). If I provide them my friend’s address of a tier 1 city (Bengaluru), will they process it & ship there? Which bank among the above don’t require physical KYC? @_one_miller_ @nimod
PS: I can meet their ITR requirements with 800 CIBIL score

Do you have account in citi?

Missing