Is there a way to apply for BOB credit cards without Income Proof?

[VibhavBilgoji]

Is there a way to apply for BOB credit cards without Income Proof?
I want to apply for Snapdeal Credit card, mainly because of its 2.5% cashback on groceries and departmental stores. But during the application it asks for Income documents. i dont have to RN, i am too lazy to get them. is there a way i can apply for this card without income documents?

 

[MONEY]

They rejected my application too. I asked reason. They mentioned something in kotak statement. I didn't attach kotak statement. So I told them to check the statements properly. After checking my bank statements, they approved it. So you should get the rejection reason and guide them and those employees are stupid.

I think Bob doesn't care about enquires

Which card and what limit they gave you ?

 

[James]

Which card and what limit they gave you ?

Snapdeal o o

 

[jeevanreddy58]

Have 2L limit on existing Bob_CC for my wife as self employed by card to card using AmzPay card.. she did work before marriage so she has credit history... now cibil is 802. Have savings a/c for 5-6 years.. gold loan/crop one of these loan always active...
Got the card around 2 months back..
Would like to apply for Eterna.. but can not provide ITR as its very less..
Will they ask for income docs ??
I Have sent emails asking them to upgrade me to Eterna. They declined initially over email saying that 12 months not completed.. but in follow up emails(mentioning my relationship with Bob through out last 5-6 years), they asked me to send upgrade request form and mentioned that it is chargeable card. In the form, I see that ITR/Pay slips required.
Shall I proceed with out ITR ? or Better to skip

 

[Rahul Gupta]

Have 2L limit on existing Bob_CC for my wife as self employed by card to card using AmzPay card.. she did work before marriage so she has credit history... now cibil is 802. Have savings a/c for 5-6 years.. gold loan/crop one of these loan always active...
Got the card around 2 months back..
Would like to apply for Eterna.. but can not provide ITR as its very less..
Will they ask for income docs ??
I Have sent emails asking them to upgrade me to Eterna. They declined initially over email saying that 12 months not completed.. but in follow up emails(mentioning my relationship with Bob through out last 5-6 years), they asked me to send upgrade request form and mentioned that it is chargeable card. In the form, I see that ITR/Pay slips required.
Shall I proceed with out ITR ? or Better to skip

Whats the Harm in trying? You should give it a try.

 

[MURALIKRISHNAN]

Okay .. write to BOB to reconsider their decision

They replied rejection reason " DIY non bob case hence not ok for card"

 

[mangalorean]

yes, federal and BOB don't approve if more than 4 inquiries.

Federal gave me the Celesta card few months ago when I had 7 enquires in 3 months. The best part, there was no CIBIL hit from Federal Bank for the CC.

 

[MONEY]

Federal gave me the Celesta card few months ago when I had 7 enquires in 3 months. The best part, there was no CIBIL hit from Federal Bank for the CC.

Only few get this lucky. Btw what limit they gave ?

 

[mangalorean]

Only few get this lucky. Btw what limit they gave ?

Highest of all my cards! 6.12 lakhs.

 

[Vasuki]

Govt employees are getting two CIBIL hits and yet no approval. 😂

Arey Bhai shab 😅

 

[Vasuki]

Highest of all my cards! 6.12 lakhs.

 

[Nishan11]

yes, federal and BOB don't approve if more than 4 inquiries.

I had 12 enquiries in last 2 months, still I got eterna few days back.

 

[bigbyte]

I had 12 enquiries in last 2 months, still I got eterna few days back.

BoB cards is like ..
Akkad bakkad bambe Bo ..
Card approval iska nahi uska karo

 

[Rahul Gupta]

I had 12 enquiries in last 2 months, still I got eterna few days back.

12 inquiries in 2 months? Gilli danda khel rhe the kya banks ke sath?

 

[NShah]

12 inquiries in 2 months? Gilli danda khel rhe the kya banks ke sath?

See this
Post in thread 'My credit score has been dropped by 120 points due to 2 hard inquiries. How can I Improve it?' https://www.technofino.in/community...uiries-how-can-i-improve-it.25484/post-607736

 

[Nishan11]

12 inquiries in 2 months? Gilli danda khel rhe the kya banks ke sath?

Applied few cards but didn't completed application as desired variant was unavailable or limit shown was not good.

Couple of extra cibil hit by sbi & idfc. Working on to remove them.

 

[Rahul Gupta]

Applied few cards but didn't completed application as desired variant was unavailable or limit shown was not good.

Couple of extra cibil hit by sbi & idfc. Working on to remove them.

So basically gilli danda hi chalra tha😇🤣🤣🤣🤣

 

[jetesh]

12 inquiries in 2 months? Gilli danda khel rhe the kya banks ke sath?

Itni toh ED and CBI ne bhi Arvind kejriwal ki enquries ki hogi

 

[leonneel]

So there was no email from Bob cards but late evening there was another hard CIBIL hit.
Suspecting that it is BOB I checked tracker again and got this message
"Your application is pending as some of the required documents have not been submitted. Kindly Email all your documents (Photo, PAN, Income Proof, Current Address Proof) at documents@bobfinancial.com clearly mentioning your application number."

So 2 CIBIL hits and no approval yet. Not going to chase them anymore. Bhaad mei jaai bank aur card dono.

Hmmm, judging from ur experience I'm afraid to even apply for one. I dont file IT, have no income proof, all I can send is a credit card statement for card to card.
I got like 20 credit card which some banks consider a threat profile. All my recent cc applications from AU,federal getting declined.
All I can get is FD based card. What's what I'm gonna do for bob (if they reject),pnb, boi cards.
1-2 years ago I once applied for eterna and sent cc statement and cc photo and all were approved but when kyc verification guy called I rejected the application bcoz bob card then just got devalued. (Wish has taken that card then)
Seems like bob doesn't issue cc easily now.

 

[Rahul Gupta]

Hmmm, judging from ur experience I'm afraid to even apply for one. I dont file IT, have no income proof, all I can send is a credit card statement for card to card.
I got like 20 credit card which some banks consider a threat profile. All my recent cc applications from AU,federal getting declined.
All I can get is FD based card. What's what I'm gonna do for bob (if they reject),pnb, boi cards.
1-2 years ago I once applied for eterna and sent cc statement and cc photo and all were approved but when kyc verification guy called I rejected the application bcoz bob card then just got devalued. (Wish has taken that card then)
Seems like bob doesn't issue cc easily now.

Just put a higher income next time you apply a cc. You are not going to share income docs anyways. This way you won't get rejection based on high credit limit in cinil.

 

[jetesh]

I applied for BOB Eterna, but the bank offered me a BOB Premier Credit Card.