How to Get Your RBL Credit Card Approved Without Any Hassles?
New Delhi : RBL Bank, one of India’s leading private sector banks, offers a host of different credit cards that are tailored to meet the varied needs and requirements of cardholders. If you’re interested in getting your hands on an RBL credit card, here are some things that you should do to ensure that the credit card application gets approved without any hassles.
1. Ensure That You Satisfy the Eligibility Criteria
This is one of the first things that you should do to make sure that your RBL credit card gets approved. Many individuals tend to automatically assume that they would satisfy the eligibility criteria set by the bank, leading to them applying for a credit card without checking the qualifying factors.
However, that’s not how you should go about it. Especially when the eligibility criteria tends to vary from one card to another, it is crucial for you to first check whether you’re eligible to apply for the card before actually proceeding to do it.
2. Keep All of the Necessary Documents Handy
Whether you’re applying for an RBL credit card through the online method or the offline method, you would be required to submit a set of documents such as proof of identity, proof of address, income proof, and a few others.
Therefore, it is advisable to collate all of the necessary documents that you’re required to submit before you even start the application process. This way, you can ensure that you don’t miss out on submitting any important document. To get a better idea of the kind of documents that you would have to submit, you can always contact the RBL credit card customer care.
3. Improve Your Credit Score
Many financial institutions including RBL Bank take your credit score and credit history into consideration when processing your credit card application. Possessing a credit score of at least 700 or above can drastically improve the chances of your RBL credit card application getting approved.
So, it might be a good idea to check your credit score before applying for the card and take remedial actions to improve it if it is found to be low. This way, you can prevent your application from being rejected or put on hold.
4. Clear Off Some Debts
If you’re an individual who has a host of other active debt obligations or credit facilities, then it is advisable to clear off a few of them before applying for an RBL credit card. This is primarily due to the fact that banks may also do a credit profile check to determine the amount of debt that you already have.
And if you’re found to have high levels of debt or loan obligations, then the issuing bank may refuse to grant a credit card. However, if you clear out a few of your debts before applying for a credit card, you can increase the chances of your application getting approved without any hassles.
Now that you know how to get your RBL credit card application approved, go ahead and apply for one right away. The application process is simple and can be done online within just a few minutes. That said, if you have any queries or require any clarifications, don’t hesitate to contact the RBL credit card customer care.