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After 6 months, assuming your income is above 12lpa, you'll get cards from pretty much every company.
I earn about 45lpa. I had to get a secured credit card to start a credit card relationship. But somehow the card didn't get delivered.
Anyway, I kept filling fuel in my dad's car regularly every month, and the bank which had rejected my application issued me a card with a limit of 1lakh co branded with an Oil Marketing Company.
Now I keep getting calls for CC from my other banks.
It is initially very difficult to get a normal card, as the poster above says.
Bank customer care and sales aren't really trained for i
Out of syllabus stuff like ITR-4. Some of the ones I spoke to got stuck like a stuck vinyl player. It felt like I was talking to a chat bot (looking at you Axis Bank).
You may get hundreds of calls and pre-approved offers from sales teams. These are all subject to credit approval which will usually fail because you appear to be unemployed and unlikely to pay your bills.
Previously, I got a secured credit card - which has no credit risk - and the bank later lifted the lien on the FD (so they made commission on 2 financial products). Later I scored a credit card with no job and no questions asked when I crossed a higher relationship value. Then I started working in law and have been unable to resolve the credit approval process. The common denominator in all this is that it is tied to the commission/targets the bank RM will be able to achieve.