Snake Posted February 12, 2012 Report Share Posted February 12, 2012 uummm.... i do have a pancard what does that have to do with my CC application?? Link to comment Share on other sites More sharing options...
Jigsaw Posted February 12, 2012 Report Share Posted February 12, 2012 uummm.... i do have a pancard what does that have to do with my CC application?? I believe that's one of their requirements. Link to comment Share on other sites More sharing options...
Snake Posted February 12, 2012 Report Share Posted February 12, 2012 gods knows man....its annoying as hell Link to comment Share on other sites More sharing options...
Jigsaw Posted February 12, 2012 Report Share Posted February 12, 2012 gods knows man....its annoying as hell Yeah the first card is always slightly tougher to get unless you're on an MBA with a great salary right off the bat as a fresher. Once you get and use the first card properly, you'll start getting offers from other card companies. Link to comment Share on other sites More sharing options...
Snake Posted February 12, 2012 Report Share Posted February 12, 2012 can i reapply again or wait for whatever letter they send Link to comment Share on other sites More sharing options...
Jigsaw Posted February 12, 2012 Report Share Posted February 12, 2012 can i reapply again or wait for whatever letter they send First try to understand why you were denied. No point going through the whole cycle again only to be rejected again. Link to comment Share on other sites More sharing options...
Zeehunter Posted February 12, 2012 Report Share Posted February 12, 2012 My application got rejected coz I didn't have a PAN card ... Baahh It takes 1 month for PAN card Link to comment Share on other sites More sharing options...
Zeehunter Posted February 12, 2012 Report Share Posted February 12, 2012 uummm.... i do have a pancard what does that have to do with my CC application?? It's compulsory Link to comment Share on other sites More sharing options...
Snake Posted February 12, 2012 Report Share Posted February 12, 2012 ok i have a pan card.....i added it on the application form, now what? Link to comment Share on other sites More sharing options...
Jigsaw Posted February 12, 2012 Report Share Posted February 12, 2012 Now what matlab kya? Wait and see if you are approved or rejected. Link to comment Share on other sites More sharing options...
Snake Posted February 12, 2012 Report Share Posted February 12, 2012 aarreee.... its been disapproved....ab letter mein kya rahega mujhe ghanta mslum rahega? Link to comment Share on other sites More sharing options...
Jigsaw Posted February 12, 2012 Report Share Posted February 12, 2012 You must have been given some phone number to call? If not, most banks have a dedicated section for cc application queries. Call up and ask them the reason. Link to comment Share on other sites More sharing options...
Snake Posted February 12, 2012 Report Share Posted February 12, 2012 no use the lady said it has been declined.....no other reason was given Link to comment Share on other sites More sharing options...
Jigsaw Posted February 12, 2012 Report Share Posted February 12, 2012 Koi aur bank try kar bro. Which one did u try? The one where your salary account is? The company where you work would usually also have bank people fishing for new credit card customers in your cafeteria. Aur try maar. Citi has an online application process. Do that also. Link to comment Share on other sites More sharing options...
Snake Posted February 12, 2012 Report Share Posted February 12, 2012 do i need a A/C in Citibank as well?? Link to comment Share on other sites More sharing options...
shekdown Posted February 12, 2012 Report Share Posted February 12, 2012 Citibank have an age limit for issuing CCs. They dont give it to people who are under 23, if you dont have a previous relationship with them. That might explain it. Link to comment Share on other sites More sharing options...
godspeed4476 Posted February 12, 2012 Report Share Posted February 12, 2012 Citibank have an age limit for issuing CCs. They dont give it to people who are under 23, if you dont have a previous relationship with them. That might explain it. Is it a new thing? coz i have been holding a Citibank CC since 18 or 19. Maybe they have made the norms more stringent now, i have 3 Citibank CC's 2 with high limits and 1 with a limit of some 80-90K and i when i applied for a Fuel card from them about a week back, they called me and said that i will have to swap one of my existing cards for a new one as i already have 3 CC's and and their limit per person is 2 CC. i doubt what they said is true. @ Snake: the best option for you would be to go for a merchant branded card. Whatever you do , do not apply to the same bank again, try another bank. I got a call from ICICI yesterday and they have started giving AMEX cards or you can go for the AMEX charge cards, they have high annual fees (abt 5K) but you can cover it up with your reward points, but their lending criteria is more stringent as the card has no limit Link to comment Share on other sites More sharing options...
montylee Posted February 13, 2012 Report Share Posted February 13, 2012 ok so I got an offer for HDFC Platinum Plus card with no yearly fee. They want my PAN card copy and also last 2 months statements of bank account. I am really weary of providing them with info about my salary account and bank balance. is it really required? can I cross-out/hide some details from the account statement? Please reply urgently as the guy will come today to collect the stuff. Link to comment Share on other sites More sharing options...
godspeed4476 Posted February 13, 2012 Report Share Posted February 13, 2012 ok so I got an offer for HDFC Platinum Plus card with no yearly fee. They want my PAN card copy and also last 2 months statements of bank account. I am really weary of providing them with info about my salary account and bank balance. is it really required? can I cross-out/hide some details from the account statement? Please reply urgently as the guy will come today to collect the stuff. U have to provide the bank statement or the CC bill of any other credit card to show your income/ CC worthiness for the issuing company, dont edit any detail from it. Link to comment Share on other sites More sharing options...
montylee Posted February 13, 2012 Report Share Posted February 13, 2012 well I gave them the statement but crossed out the bank balance column. Link to comment Share on other sites More sharing options...
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