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How to get a YES BANK CREDIT CARD in Unserviceable Areas: A Guide

CardCraftsman.

TF Legend
VIP Lounge
This doesn't work for Kiwi Co-branded credit card.

Dear Technofino Community,

In the world of financial freedom, credit cards have become indispensable tools for managing our finances. They provide convenience, security, and often various rewards. However, what if you live in an area where credit card services are unserviceable? Fear not, for there might be a way around this hurdle. This article sheds light on a method some individuals have used to acquire a YES BANK credit card even in unserviceable areas.

The Ingenious Approach: YES BANK Credit Card Application

Getting a YES BANK credit card in an unserviceable area might seem like an impossible task, but with a bit of creativity and some insider knowledge, it can be done. Here's how:

1. Use a Serviceable Address:
Begin by using a serviceable address for your credit card application. This could be a friend’s address or any location where YES BANK services are available. Make sure to have the necessary permission from the friend whose address you are using.

2. Designate Your Actual Address as Your Office Address:
In the application form, designate your actual address as your office address. This step is crucial as it helps YES BANK understand your location while ensuring your correspondence reaches you effectively.

3. Choose Office as Your Communication Address:
When prompted for communication address, select ‘office’ and input your designated office address. This ensures that all communication from the bank will be directed to your actual location.

A Word of Caution: The CIBIL Disclaimer

It's important to recognize that using a new address, which isn't your own, in your credit card application could result in that address being added to your Credit Information Bureau India Limited (CIBIL) record. While this might not seem like a significant issue, it's essential to be informed about the potential changes.

Personal Experience: A Yes Bank Success Story

While this method might work for some, it’s crucial to proceed with caution. As shared by many community members, “I don’t suggest you get a YES BANK credit card due to very low rewards, but if your CIBIL score is new, you can try. I managed to secure my YES Prosperity Edge card as my second card using this approach.”

Conclusion: A Creative Solution

Innovative solutions sometimes emerge from challenging situations. While this method might open doors for some in unserviceable areas, it is important to weigh the risks against the benefits. Your financial history and credibility are assets that should be managed carefully.

Remember, while this workaround might be tempting, it’s essential to explore legal and ethical avenues for obtaining credit cards and other financial services. Always prioritize honesty and integrity in your financial dealings to build a secure and reliable financial future.

Wishing you all the best on your financial journey!

Warm regards,
Technofino Community Member

I think same can be used in case of RBL CARDS but i haven't tried yet.

ChatGPT has been used to write this.

edit: Update: I changed my current and permanent address to my real address that is still unserviceable by emailing a address change form.
 
Last edited:
I too got a citibank card using a similar technique. When I applied I used my friends residence as my communication address. I just got the citicard delivered to my friend's residence which was in one of their serviceable areas.

Later, I got the address changed to my actual address which is in one of their non serviceable zones. However, since the card was approved and already issued, they changed the address without any issues.

I guess the non serviceable area issue is only for approvals. Once, you get the card, then it is no issue most of the times.

Thanks!!
 
I too got a citibank card using a similar technique. When I applied I used my friends residence as my communication address. I just got the citicard delivered to my friend's residence which was in one of their serviceable areas.

Later, I got the address changed to my actual address which is in one of their non serviceable zones. However, since the card was approved and already issued, they changed the address without any issues.

I guess the non serviceable area issue is only for approvals. Once, you get the card, then it is no issue most of the times.

Thanks!!
the benefit with yes/rbl is they can deliver on unserviceable address i.e. office address.
 
I too got a citibank card using a similar technique. When I applied I used my friends residence as my communication address. I just got the citicard delivered to my friend's residence which was in one of their serviceable areas.

Later, I got the address changed to my actual address which is in one of their non serviceable zones. However, since the card was approved and already issued, they changed the address without any issues.

I guess the non serviceable area issue is only for approvals. Once, you get the card, then it is no issue most of the times.

Thanks!!
But sometimes few banks don't deliver card to unserviceable area on renewal.
 
Dear Technofino Community,

In the world of financial freedom, credit cards have become indispensable tools for managing our finances. They provide convenience, security, and often various rewards. However, what if you live in an area where credit card services are unserviceable? Fear not, for there might be a way around this hurdle. This article sheds light on a method some individuals have used to acquire a YES BANK credit card even in unserviceable areas.

The Ingenious Approach: YES BANK Credit Card Application

Getting a YES BANK credit card in an unserviceable area might seem like an impossible task, but with a bit of creativity and some insider knowledge, it can be done. Here's how:

1. Use a Serviceable Address:
Begin by using a serviceable address for your credit card application. This could be a friend’s address or any location where YES BANK services are available. Make sure to have the necessary permission from the friend whose address you are using.

2. Designate Your Actual Address as Your Office Address:
In the application form, designate your actual address as your office address. This step is crucial as it helps YES BANK understand your location while ensuring your correspondence reaches you effectively.

3. Choose Office as Your Communication Address:
When prompted for communication address, select ‘office’ and input your designated office address. This ensures that all communication from the bank will be directed to your actual location.

A Word of Caution: The CIBIL Disclaimer

It's important to recognize that using a new address, which isn't your own, in your credit card application could result in that address being added to your Credit Information Bureau India Limited (CIBIL) record. While this might not seem like a significant issue, it's essential to be informed about the potential changes.

Personal Experience: A Yes Bank Success Story

While this method might work for some, it’s crucial to proceed with caution. As shared by many community members, “I don’t suggest you get a YES BANK credit card due to very low rewards, but if your CIBIL score is new, you can try. I managed to secure my YES Prosperity Edge card as my second card using this approach.”

Conclusion: A Creative Solution

Innovative solutions sometimes emerge from challenging situations. While this method might open doors for some in unserviceable areas, it is important to weigh the risks against the benefits. Your financial history and credibility are assets that should be managed carefully.

Remember, while this workaround might be tempting, it’s essential to explore legal and ethical avenues for obtaining credit cards and other financial services. Always prioritize honesty and integrity in your financial dealings to build a secure and reliable financial future.

Wishing you all the best on your financial journey!

Warm regards,
Technofino Community Member

I think same can be used in case of RBL CARDS but i haven't tried yet.

ChatGPT has been used to write this.
A great thread with mentioned precautions 👌.

But due to no/less rewards, I'm not interested in yes bank cards.

Might try some day.
 
Dear Technofino Community,

In the world of financial freedom, credit cards have become indispensable tools for managing our finances. They provide convenience, security, and often various rewards. However, what if you live in an area where credit card services are unserviceable? Fear not, for there might be a way around this hurdle. This article sheds light on a method some individuals have used to acquire a YES BANK credit card even in unserviceable areas.

The Ingenious Approach: YES BANK Credit Card Application

Getting a YES BANK credit card in an unserviceable area might seem like an impossible task, but with a bit of creativity and some insider knowledge, it can be done. Here's how:

1. Use a Serviceable Address:
Begin by using a serviceable address for your credit card application. This could be a friend’s address or any location where YES BANK services are available. Make sure to have the necessary permission from the friend whose address you are using.

2. Designate Your Actual Address as Your Office Address:
In the application form, designate your actual address as your office address. This step is crucial as it helps YES BANK understand your location while ensuring your correspondence reaches you effectively.

3. Choose Office as Your Communication Address:
When prompted for communication address, select ‘office’ and input your designated office address. This ensures that all communication from the bank will be directed to your actual location.

A Word of Caution: The CIBIL Disclaimer

It's important to recognize that using a new address, which isn't your own, in your credit card application could result in that address being added to your Credit Information Bureau India Limited (CIBIL) record. While this might not seem like a significant issue, it's essential to be informed about the potential changes.

Personal Experience: A Yes Bank Success Story

While this method might work for some, it’s crucial to proceed with caution. As shared by many community members, “I don’t suggest you get a YES BANK credit card due to very low rewards, but if your CIBIL score is new, you can try. I managed to secure my YES Prosperity Edge card as my second card using this approach.”

Conclusion: A Creative Solution

Innovative solutions sometimes emerge from challenging situations. While this method might open doors for some in unserviceable areas, it is important to weigh the risks against the benefits. Your financial history and credibility are assets that should be managed carefully.

Remember, while this workaround might be tempting, it’s essential to explore legal and ethical avenues for obtaining credit cards and other financial services. Always prioritize honesty and integrity in your financial dealings to build a secure and reliable financial future.

Wishing you all the best on your financial journey!

Warm regards,
Technofino Community Member

I think same can be used in case of RBL CARDS but i haven't tried yet.

ChatGPT has been used to write this.
So you were able to get a card without Physical verification?
 
See first post, it's not a trick tbh but a way to bypass the system.
I have applied yes bank few month back bcz call came and they said its pre approved & i believed them

Now when i tried to apply they were Askin address.
Since i have given gurgaon address in kotak & got card.but it hasn't been updated in cibil . Maybe after its reported to cibil .. will the trick work
 
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