Best Way to Apply for C2C , and what should be the steps ?

[Hunny1208]

Hey guys, need your help regarding applying for C2C for one of my brother . Can you please tell the steps about how to go about it.

Offline or Online , which way is better ?

Existing card - HDFC business moneyback - 63k limit and 11 months old
Current cibil - 760 and 3 enquiries in last 3 month
Card rejected last month - SBI simplyclick
ITR - 4.98L latest
Location - Metro
Not sure about which cards to go for but mostly do shopping and online payments.



@TechnoFino @Batmanbaba @Subhankar @vaibhav111 @BankExpertIndia @AsishB @AllSeeker @HyperBeast and others.

Any suggestions and advice is appreciated

 

[CMG]

Which card are you looking to apply for? What is the limit of the exisitng card? Salaried or Self employed?

 

[Hunny1208]

Which card are you looking to apply for? What is the limit of the exisitng card? Salaried or Self employed?

Not sure which card to go for, we have HDFC business money back credit card 63k limit. Self Employed and in Gurgaon. Cibil 760

 

[CMG]

Not sure which card to go for, we have HDFC business money back credit card 63k limit. Self Employed and in Gurgaon. Cibil 760

What is your latest ITR?

What are you looking for in the new card? Cashback? Gift vouchers? Air miles?

 

[FinoGuy]

Update your first post with the following info for better responses.
1)existing card with limit & duration (how old)
2)current cibil & how many enquiries in last 3 month
3)any cc rejections recently in last 6mths?
4)itr value, if you're comfortable sharing
5) expectations from c2c card :features /reward rate / planned usage category like travel /shopping etc.
6)your shortlisted cards is any
7)location (metro/tier)

 

[Hunny1208]

What is your latest ITR?

What are you looking for in the new card? Cashback? Gift vouchers? Air miles?

latest ITR 4.9 Lakh

Cashback and rewards cards , mostly do shopping

 

[Hunny1208]

Update your first post with the following info for better responses.
1)existing card with limit & duration (how old)
2)current cibil & how many enquiries in last 3 month
3)any cc rejections recently in last 6mths?
4)itr value, if you're comfortable sharing
5) expectations from c2c card :features /reward rate / planned usage category like travel /shopping etc.
6)your shortlisted cards is any
7)location (metro/tier)

Updates thanks

 

[Batmanbaba]

Go for idfc, bank of baroda premier, wait for axis... As currently indian oil ltf going its not worth... Can go for icici platinum... For icici offers and also sbi simplyclick... For sbi offers

 

[AllSeeker]

He can apply and get Amazon ICICI whenever its available to him, Freecharge plus from axis, Flipkart axis, Axis neo/myzone.

In fact I would suggest applying for all the above one by one, just make sure CIBIL stays above 760, preferably 770. His ITR is sufficient for all the above applications, so it wouldn't be an issue even if its not a C2C application.

 

[vaibhav111]

Sbi cashback for 5% online shopping

 

[vaibhav111]

Hey guys, need your help regarding applying for C2C for one of my brother . Can you please tell the steps about how to go about it.

Offline or Online , which way is better ?

Existing card - HDFC business moneyback - 63k limit and 11 months old
Current cibil - 760 and 3 enquiries in last 3 month
Card rejected last month - SBI simplyclick
ITR - 4.98L latest
Location - Metro
Not sure about which cards to go for but mostly do shopping and online payments.



@TechnoFino @Batmanbaba @Subhankar @vaibhav111 @BankExpertIndia @AsishB @AllSeeker @HyperBeast and others.

Any suggestions and advice is appreciated

Why did sbi rejected your application for simply click ?

 

[FinoGuy]

Sbi cashback for 5% online shopping

Cool down period in sbi 3-6m so his application might get rejected + haven't heard anybody getting cashback cc via c2c.. Do u know anyone?

 

[adi]

I would suggest you to wait till your limit of hdfc gets 100k atleast. to get any bank card best option for you will be to open an account with them thn get that cc very high chance of pre approved cc by this way applications won't get rejected and cibil will be maintained.

 

[Hunny1208]

He can apply and get Amazon ICICI whenever its available to him, Freecharge plus from axis, Flipkart axis, Axis neo/myzone.

In fact I would suggest applying for all the above one by one, just make sure CIBIL stays above 760, preferably 770. His ITR is sufficient for all the above applications, so it wouldn't be an issue even if its not a C2C application.

I was thinking C2C application has higher chances of getting approved ?

Is it like so ?

Or should we apply online ?

 

[Hunny1208]

Why did sbi rejected your application for simply click ?

actually one guy called him up 2 months before and they said his SBI card pre approved ( infact they were some agents) , so he gave them the details , unfortunately it got rejected, at that time cibil was 748 maybe , no reason given

 

[Hunny1208]

I would suggest you to wait till your limit of hdfc gets 100k atleast. to get any bank card best option for you will be to open an account with them thn get that cc very high chance of pre approved cc by this way applications won't get rejected and cibil will be maintained.

hdfc card is almost 1 year old, no LE offers as of yet .
Maintaining so many accounts for him would be a hassle.

 

[adi]

I was thinking C2C application has higher chances of getting approved ?

Is it like so ?

Or should we apply online ?

you need good limit for C2C thn the chances are high

 

[adi]

hdfc card is almost 1 year old, no LE offers as of yet .
Maintaining so many accounts for him would be a hassle.

close account in hdfc open in axis or icici and apply for a cc within a month

 

[Hunny1208]

you need good limit for C2C thn the chances are high

So applying online or through branch is the way to go i think then.

 

[Hunny1208]

Go for idfc, bank of baroda premier, wait for axis... As currently indian oil ltf going its not worth... Can go for icici platinum... For icici offers and also sbi simplyclick... For sbi offers

Tried IDFC , checked eligibility, they offered FD card in the end lol. So IDFC out of option as of now.