Credit Card Loan in India: Apply, Documents & Rejection Solutions | Loansathi.in

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Credit Card Loan Kya Hota Hai?

Credit Card Loan ek unsecured loan hota hai jo aapke credit card limit ke basis par diya jata hai. Yah ek tarah ka pre-approved personal loan hota hai jisme collateral ki zarurat nahi hoti.

Yeh loan usually tab available hota hai jab aapka repayment record achha ho aur aapka credit score strong ho.

Credit Card Loan Apply Kaise Karein?

Apply karna kaafi simple hota hai. Banks aur NBFCs aapko do tarah se credit card loan dete hain:

• ✔ Pre-Approved Credit Card Loan – Direct offer aapke credit card par
• ✔ On-Request Loan – Jab aap customer care ya branch mein apply karte ho

Process:

1. Step 1: Bank/NBFC ke portal ya app par login karein
2. Step 2: Loan against credit card section open karein
3. Step 3: Loan amount aur tenure select karein
4. Step 4: Documents verify karwayen (agar zarurat ho)
5. Step 5: Loan approve hone par amount aapke account mein transfer ho jata hai

Credit Card Loan Ke Liye Documents

Kyuki yeh ek unsecured aur mostly pre-approved loan hota hai, documents kam lagte hain.

• PAN Card & Aadhaar Card
• Recent Passport Size Photograph
• Salary Slip (agar requested ho)
• Latest Bank Statement (agar required ho)
• Address Proof

Eligibility Criteria

Important: Eligibility directly depend karti hai aapke repayment history aur credit score par.

• ✔ Active credit card with good repayment history
• ✔ Minimum 6–12 months card usage
• ✔ Credit Score 700+ preferred
• ✔ Regular income proof (salaried/self-employed)

Agar Credit Card Loan Reject Ho Jaye To?

Bahut se applicants ko credit card loan reject ho jata hai. Iske kuch common reasons hain:

• Low credit score
• Overdue EMI ya outstanding balance
• Short credit history
• High credit utilization
• Bank ke internal risk policy ke wajah se

Loansathi.in Aapki Madad Kaise Karta Hai?

• ✔ Profile assess karke rejection ka reason batata hai
• ✔ Alternative loan options (personal loan, EMI loan) suggest karta hai
• ✔ 150+ Banks aur NBFCs ke network se connect kar deta hai
• ✔ Agar bank reject kare to private funding options provide karta hai

Loansathi.in Ke Benefits

• Multiple loan options ek jagah par
• High approval chances with 150+ partners
• Lowest possible interest rates
• End-to-end support from apply to disbursement
• Solutions for rejected cases also

FAQs on Credit Card Loans

1. Kya mujhe collateral dena hoga?

Nahi. Credit Card Loan ek unsecured loan hai. Isme collateral ki zarurat nahi hoti.

2. Loan kitni jaldi milta hai?

Aksar 24–48 hours ke andar approval aur disbursement ho jata hai.

3. Agar mera loan reject ho gaya toh?

Loansathi.in ke through aap alternative loans try kar sakte hain aur private lenders se bhi option milta hai.

4. Credit score kitna hona chahiye?

700+ CIBIL score best hai, par kuch lenders 650 par bhi consider karte hain.

Conclusion

Credit Card Loan ek quick aur easy option hai jab aapko immediate funds ki zarurat ho. Lekin rejection bhi common hai agar credit score ya repayment history weak ho. Loansathi.in ke sath aapko multiple loan options aur expert guidance milta hai jisse aapko better approval chances milte hain.

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