What's your take on Credit Cards? 💳

when is Jupiter planning to launch its credit card?

When are you launching credit card?

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@iShreyamK In a month or two. Probably earlier.
The community will be the first ones to get beta access :cool_doge:

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WOW… That’s a good good good news @Shawnpinto :star_struck: :star_struck:

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Shawn, will the beta access come with any conditions attached :face_with_raised_eyebrow:?

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Hmm let’s see, keep a high credit score to be noticed!

Jk. Or maybe…not? :blobsmart:

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@Shawnpinto a big no :rofl: :rofl:

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Fair enough. Then just Equifax or tri merged report of Equifax, Cibil and Experian?

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off-topic
Is there no holiday on the occasion of International Worker’s Day? :thinking:@Shawnpinto

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It’s worldwide. We do have it. :beach_umbrella:

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Today i got an offer for Airtel Axis Bank Credit Card.
They send me invitation over WhatsApp, it’s pre-approved and without income proof.

I applied then they rejected my application :zipper_mouth_face:

Never believe the pre-approved or pre-qualified messages received through WhatsApp. That’s what life has taught me :rofl: :rofl:

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@Surojit_Ghosh , the supposed pre approved offers are just a way to drive applications. There is never a guarantee that your application will get approved. Everytime an application is received, It goes through the same risk assessment that any application would go through and only if the application fits their approval matrix, the card gets approved.

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i also recieved same they are asking for salary slip/itr :skull::skull: i don’t have any

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I think in terms of pre approved offers only kotak bank delivers. :laughing:

I got the same msg. Was approved without asking for any income proof too. I am not yet 21.

Try stopping halfway through application at the last month of financial year :joy:. Excecutives will call you asking for the cc. (That’s what happened to me)

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For me Kotak too comes in the same league as others. I received a pre-approved offer for a Kotak League Card from the Paisabazaar app, which did not require income documents. After applying with enthusiasm and eagerly awaiting approval, I was ultimately notified that my application had been declined. :cry: :sob:

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kotak is not giving cc to a professor

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At Present am doing my PhD and getting Fellowship instead of Salary. So do not have any salary slip or ITR to mail them and request for reconsider. Also, I think CIBIL may be an issue. My CIBIL usually revolves around 720-746 range. :cry:

Moreover, banks like Kotak, AU, IDFC etc. are not serviceable for my Pin code. and from my personal experience, I believe that the location or place of residence plays a crucial role in obtaining a credit card. My Flipkart Axis card application got rejected twice, while some others working in metro cities got their applications approved without income or document verification.

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