Thursday, August 16, 2007

Quick Approval for your credit card!!

Some people have contacted me complaining that either their credit card application has been rejected or it is taking too long!

Well guys, I have a solution for all new applications. But for this solution, you will need to have a few lakhs in your bank account! Here is what you do:

Go directly to the manager of the bank. Introduce yourself, including what you do. Talk yourself up! Remember, the idea is to impress the manager of the bank. But don't suck up to him. The trick is to show the bank manager that you are important and well respected in the community. Then, tell the bank manager that you really like his bank, and their services. For this reason, you would like to apply for a credit card for your business which you are about to start. Make up some software business. Tell the bank manager that "as the business has not yet started, you do not have any annual income but that will change in the coming months. But, you need a credit card urgently, as you make many purchases every month in India and overseas!" This will help convince the bank manager that you could be a valuable customer for the bank. Now here is the killer punch:

Show the bank manager your passbook and point out that you have lakhs of Rupees in your account. Make sure you show him a bank account with a lot of money in it. In fact, it can be a passbook of another bank! Point out to the bank manager that you would like to receive your credit card quickly. All going well at this point, the bank manager will most likely give you a credit card application, help you to fill it out, and will personally sign it.

Now, if the bank manager is still not satisfied then tell the bank manager that, for extra assurance, you will make a fixed deposit of 1 Lakh Rupees into the bank and that the bank has nothing to lose (don't do this, if you are not prepared to make a fixed deposit). And that should be it! Your application gets sent to their head office and since the bank manager can vouch for you, your credit card application is approved quickly!

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