Hello friends, how are you all?? Wishing you all happy and prosperous life ahead..
Credit card become the most demanding financial key, earlier getting credit card without showing your income proof is challenging or can say impossible but the increasing demand of credit card, various banks now providing cards to students, if you are early stage of your career or you are self-employed without paying income taxes.
Here are some ways to get your Credit card without income proof.
Pledge your fixed Deposit
Yes, on the basis of your fixed deposit (FD) in your bank you will the Credit card, this process is known as credit card against Fixed deposit, You can utilise your existing fixed deposits in your bank as collateral to get a credit card with a credit limit of up to 90% of your FD amount. Even I got one of the credit card against the amount of Fixed deposit in that particular banks with need of any documents, simply fill up the form for apply credit card, get your card at your doorstep within 10-15 days.
Add-on card
Have your partner or parents apply for an add-on card on your behalf, it is also one of the easiest way to get the credit card without showing your salary proof, The credit limit remains consistent for both primary and secondary cardholders. The primary cardholder is responsible for providing the ID and address proof details and is obligated to make payments on your behalf.
Student or College credit card.
As credit card become necessity for almost everyone specially to student or can say youths. Yea college going student can also apply for credit card from various Bank. some banks prefer issuing student credit cards to those who maintain their bank account, have a capacity yo return the amount before the due date. The limit of credit given to students is low, Before apply for students credit card, compare the offer availablity with different banks.
Secured Credit Card
It is another amazing opportunity to get your credit card without having source of income, to get a secured credit card, you need to provide your funds as collateral,as this amount serves as a security deposit for the credit card. If you are unable to make credit card payment, this amount will help in paying your outstanding balance of your credit card.
Credit card is a helpful Financial card when you do not have money, it helps you a lot. But I want to share my personal opinion here. I also have a credit card but I don't use it for unnecessary expenses,I believe that we should do as much shopping as we can afford, this is what we have been taught since childhood. I don't redeem credit cards unless there are amazing deals and offers are available. I like to use less credit cards. in case if I forget my due date by mistake,then I will have to pay a heavy penalty. But you use your credit card in right manner, then there is tons of benefits, so it is advisable to use your credit card wisely, payment have to done by you only after 3O to 45days.
Use your credit card wisely and safely.
Thankyou 😀
@gargi 🙏🏻🇮🇳
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