How to get LTF credit card?

[ghastlymause]

I'm basically 19 years old and have 2 credit card since September 2023, it's been 6 months for both.
One of HDFC pre-approved 25k limit card MONEYBACK+ and other is IDFC WOW FD BACKED with 1.5L limit .
I have to pay charges of 590 to hdfc if the transactions didn't crossed 50k per year, isn't there any way to get more better LTF pre approved cards with cibil score of 765+ .
The only thing which comes at last is when I show occupation as a student mostly banks rejects it.

 

[Skylar]

The only thing which comes at last is when I show occupation as a student mostly banks rejects it.

You may apply as self-employed and attempt to obtain the card. Many banks do not rigorously verify office details, allowing you to inform them that you operate your business as a freelancer from your home. In this case, both your office and residence addresses are same.

 

[Skylar]

HDFC pre-approved 25k limit card MONEYBACK+

With fee this card is not worthy but you can use this card for C2C once you get other cards you can close it or ask HDFC CC to make it LTF

 

[Simpleadvice]

You may apply as self-employed and attempt to obtain the card. Many banks do not rigorously verify office details, allowing you to inform them that you operate your business as a freelancer from your home. In this case, both your office and residence addresses are same.

But when bank ask for income proof so what to do that time.

 

[Skylar]

But when bank ask for income proof so what to do that time.

C2C, they do not ask income proof.

 

[Simpleadvice]

How to apply through C2C

 

[Syedadilabbas]

Offline process

 

[Simpleadvice]

I have to Visit bank?

 

[Skylar]

How to apply through C2C

Agent will do it bro.

 

[Skylar]

Check your credit score on - BankBazaar, cibil website, Experia site, Equifax site, cirf site and whichever site is offering free credit score.

and you'll start getting calls from agents

 

[Simpleadvice]

Calling agent is lying every time that you're getting Ltf card, but actually card is chargeable

 

[Skylar]

Calling agent is lying every time that you're getting Ltf card, but actually card is chargeable

Which bank? and card?

 

[Skylar]

Cards I got as LTF from agents

- HDFC
- IndusInd
- IDFC
- RBL

 

[Simpleadvice]

Which bank? and card?

SBI and RBL, sbi agent said they will apply for SBI Cashback LTF but actually they applied simply click paid.
I don't think RBL have any good CC

 

[Skylar]

SBI Cashback LTF

Yeah SBI ka tho eh scam chaltha hey

 

[Skylar]

I don't think RBL have any good CC

For same reason I closed their card bank in 2022

 

[Syedadilabbas]

apply for icici Amazon card

 

[zacobite]

Yeah SBI ka tho eh scam chaltha hey

sbi cb as ltf is v v v difficult

 

[Simpleadvice]

apply for icici Amazon card

Reject ho gaya tha, almost 6 month hone wala h, ab kaise apply kru ki reject na ho

 

[Skylar]

Reject ho gaya h, almost 6 month hone wala h, ab kaise apply kru ki reject na ho

There is only one prosses apply from amazon and check your luck.