decent relationship with IndusInd and still not getting any pre-approved offers for credit card.

[zomato]

Exclusive+Indie account but, student with no salary.
my friends with ICICI and HDFC accounts already got offers for RuPay CC, forget pre approved I even made a FD of 50k to get against it but still no luck. furthermore RM pushing for 1 Lakh FD but I cannot block that much of amount for a CC.

please recommend me something, or suggest me a bank that's more friendly towards customers.

 

[Rahul Gupta]

I CAN LIE?

Yes you can. No bank ask for income proof while opening a savings account. Keep one thing in mind if you are going to do bsuiness in future then choose self employed or if you are gonna do a job then choose salaried. Choosing wrong might affect your cibil in future.

 

[Vasuki]

Yes you can. No banks ask for income proof while opening a savings account. Keep one thing in mind if you are going to do bsuiness in future then choose self employed or if you are gonna do a job then choose salaried. Choosing wrong might affect your cibil in future.

How does that affect cibil

 

[Rahul Gupta]

should I take my business to HDFC? I hate this bank besides decent DCs they have nothing to offer

Hdfc is no.1 bank for pre-approved ccs.

Open either 10k aur 25k account then maintain minimum 1 lakh for 3 to 6 months you will get pre-approved cc. Btw choose salaried while opening account if you want millennia otherwise with self employed you will get business money back cc.

 

[Rahul Gupta]

How does that affect cibil

If one banks is reporting self employed and another salaried that may impact cibil. However i am not 100% sure about this and thats why i mentioned (might) in my comment.

 

[zomato]

Get anything u get hands on .

huh? didn't understand

 

[Vasuki]

huh? didn't understand

Bro get Any card u get when u r under 21 .
No likes and dislikes

 

[zomato]

If one banks is reporting self employed and another salaried that may impact cibil. However i am not 100% sure about this and thats why i mentioned (might) in my comment.

not worth the risk I guess?

 

[Vasuki]

If one banks is reporting self employed and another salaried that may impact cibil. However i am not 100% sure about this and thats why i mentioned (might) in my comment.

In my cilbil its Mentioned nothing 😂

 

[zomato]

Bro get Any card u get when u r under 21 .
No likes and dislikes

getting no card 😭
tried one card (not accepting any new applications) rejected by flipkart axis, IndusInd is of no help, what should I try next 🥲

 

[zomato]

and do not want many rejections in short amount of period 💀

 

[Vasuki]

getting no card 😭
tried one card (not accepting any new applications) rejected by flipkart axis, IndusInd is of no help, what should I try next 🥲

Brother as i said u will get cc from hdfc only .
Axis didn't gave me anything before 21 even though i tried Good balance & dc legit spend things ..
After 21 .. shh 90k pre approved limit got just with a call..
Hdfc only gives pre approved before 21. Keep good amount
If u keeping above 2l.
U will get account variant change too
More fancy chances

 

[Vasuki]

Meanwhile get cc on your parents name , mother father anyone.

 

[zomato]

Your location ???

goa (central goa near dabolim)

 

[zomato]

Brother as i said u will get cc from hdfc only .
Axis didn't gave me anything before 21 even though i tried Good balance & dc legit spend things ..
After 21 .. shh 90k pre approved limit got just with a call..
Hdfc only gives pre approved before 21. Keep good amount
If u keeping above 2l.
U will get account variant change too
More fancy chances

can keep above 2 lakhs (I park all my prize winnings in a single account) better than IndusInd Exclusive? because then cannot maintain it with 1 lakh mqb requirement which was blunder in first place as select offers almost same offers at half aqm requirement.

 

[zomato]

Meanwhile get cc on your parents name , mother father anyone.

where's the thrill in that🗿

 

[Vasuki]

can keep above 2 lakhs (I park all my prize winnings in a single account) better than IndusInd Exclusive? because then cannot maintain it with 1 lakh mqb requirement which was blunder in first place as select offers almost same offers at half aqm requirement.

See here is something useful .
IDK HOW liberal or strict ur parents are
Open a bank account of ur mother in hdfc or ur father .with 25k amb saving max account .
Keep 50k or little more .
Do 1-2 online transaction. 1-2 atm withdrawal.
Within 2 month they will get cc pre approved.

When they get cc . Get add on your name or simply change the number

 

[Vasuki]

where's the thrill in that🗿

Thrill comes when u really become eligible ..thats 21 😂

 

[zomato]

See here is something useful .
IDK HOW liberal or strict ur parents are
Open a bank account of ur mother in hdfc or ur father .with 25k amb saving max account .
Keep 50k or little more .
Do 1-2 online transaction. 1-2 atm withdrawal.
Within 2 month they will get cc pre approved.

When they get cc . Get add on your name or simply change the number

I can get it even get an add on of much better card than I can get right now.
but coming back to my initial question, is building CIBIL early on overrated? will I get benefit for education loan after 2 years if I start building CIBIL rn?

 

[zomato]

See here is something useful .
IDK HOW liberal or strict ur parents are
Open a bank account of ur mother in hdfc or ur father .with 25k amb saving max account .
Keep 50k or little more .
Do 1-2 online transaction. 1-2 atm withdrawal.
Within 2 month they will get cc pre approved.

When they get cc . Get add on your name or simply change the number

should I open savings maxx after lying about my income? 💀

 

[Vasuki]

I can get it even get an add on of much better card than I can get right now.
but coming back to my initial question, is building CIBIL early on overrated? will I get benefit for education loan after 2 years if I start building CIBIL rn?

Age of cibil depends on age of oldest account. Student loan depends on institution u r going to study in & financial situation of your parents not yours .

As for mba they give u whole amount on admission letter