By using credit cards, you are able to manage your expenses well. But at the same time, many documents are required to get a credit card, which is not possible for everyone. Income proof is a very important document for getting a credit card. Now in such a situation, if someone does not have income proof then how can he get a credit card? If you also have the same question in your mind, then let us tell you today how you can get a credit card without proof of income.
That's why credit card is necessary
Any credit card issuing bank sets a monthly income limit for those to whom credit cards are issued. If you work and your income is above the income limit set by the bank, then you can easily get a credit card. Generally, banks do this assessment so that they can know whether the person taking the credit card is capable of repaying the amount spent or not.
This is how you can get a credit card
While talking to Economic Times, DBS Bank's Sakshi Pillai said that even if a person does not have income proof, in such a situation he can get a credit card made. In case there is no income proof, the credit card issuing bank looks for other options to find out the repayment capacity of that person. Banks can do the valuation based on the person's loan account, repayment history from credit bureaus, or wealth relationships of the person.
At the same time, if a customer is a customer tested by the credit bureau and his bureau is very good and has a good track record of repayment of other cards or loans, then the credit card issuing bank can issue him a credit card on the basis of his track record. Could.
These are also methodst
Credit card against FD account
Credit card through UPI transaction
Add On Credit Card Supplementary Credit Card
Credit card based on bank transactions
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