Agar aap soch rahe ho ki bas salary account khol liya aur credit card apply kar doge, to ek warning – sab plan simple nahi hai.
Kai log ye galti karte hain aur fir lifetime ke liye rejection face karte hain. Is article me hum real baat karenge. Kya galti se bank aapko credit card kabhi nahi deta aur kaise avoid karna chahiye.
Galti #1 – Minimum Balance Ignore Karna
Salary account me minimum balance maintain karna bahut zaruri hai. Agar regularly minimum balance miss kar rahe ho, to bank ke liye signal clear hai – risk customer.
Bank system ye record rakhta hai. Aur jab aap credit card ke liye apply karte ho, ye first check hota hai.
Galti #2 – Frequent Overdraft
Salary account me bar-bar overdraft karna. Yaani account zero ya negative ho jaaye aur aap top up kar do.
Bank ko lagta hai aap funds manage nahi kar pa rahe. Ye bhi ek red flag hai. Credit card ke liye automatic rejection ka reason ban sakta hai.
Galti #3 – Salary Delay / Unstable Salary
Bank ke liye stable income sabse bada factor hai. Agar salary irregular aa rahi hai, ya company change ho rahi hai frequently, to approval milna mushkil hai.
Galti #4 – Multiple Failed Transactions
Cheque bounce, auto-debit fail, bill payment fail – ye sab record me jata hai.
Bank system me ye sab negative mark create karte hain. Aur jab aap card ke liye apply karte ho, ye first red flag hota hai.
Galti #5 – Fake / Incomplete KYC
Salary account me agar address, PAN, Aadhaar ya phone number mismatch ho, ya incomplete KYC ho, to bank aapko credit card ke liye automatically reject kar sakta hai.
Galti #6 – High Overuse of Existing Credit Card
Agar already card use kar rahe ho aur limit high utilization pe hai, bank consider karta hai risk zyada hai. Even salary account strong ho, ye negative impact dalta hai.
Galti #7 – Previous Defaults / Settlements
Bank salary account ko check karta hai, par saath me CIBIL bhi check karta hai. Previous default ya settlement history ho to, salary account clean hone ke baad bhi credit card approval reject ho sakta hai.
Real Life Example
Rahul ne salary account 2 saal maintain kiya. Minimum balance kabhi miss nahi kiya, salary stable thi.
Lekin pehle credit card default tha, aur ek EMI settle kiya hua tha. Bank ne direct reject kar diya.
Wahi case me, Suresh, jiska account clean tha aur koi settlement history nahi thi, credit card approval turant mil gaya.
Kaise Ye Galti Avoid Kare
- Minimum balance hamesha maintain karo.
- Salary regularly aur stable ho.
- Cheque bounce ya auto-debit fail na ho.
- Account overdraft avoid karo.
- KYC complete aur updated rakho.
- Existing credit card utilization 30% ke andar rakho.
- Previous defaults aur settlement history ko gradually repair karo.
Tips for Approval After Galti
Agar pehle galti ho gayi, to recovery ka plan banaye:
- 6-12 mahine account clean maintain karo.
- Chhota secured loan ya gold loan lo aur EMI time pe do.
- CIBIL gradually improve karte raho.
- Phir credit card apply karo. Chances better hote hain.
Conclusion
Salary account me galti karna sirf ek minor error nahi, bank ke liye signal hota hai ki aap risky customer ho.
Credit card approval ke liye ye basic factors clean hone chahiye. Discipline aur patience se recovery possible hai, aur phir credit card milna easy ho jaata hai.