Agar aap koi job ya business nahi kar rahe hain to zaahir si baat hai ki aapke paas Income Proof bhi nahi hoga. Aur Credit Card lene ke liye Income Proof ka hona zaroori hai chaahe aapke paas Salary Slip ho, Bank Account Statement ho, Income Tax Return (ITR) receipt ho aur iske sath accha CIBIL/Credit Score bhi hona chahiye. Itni saari requirements (zarooraton) ki wajah se har koi Credit Card lene ke liye eligible (yogya) nahi hota hai, aur isi wajah se har kisi ko Credit Card nahi mil paata hai. Aisa zaroori to nahi hai ki har vyakti ke paas job ya business ho, aur jab tak kisi ke paas job ya business nahi hoga tab tak usko Income Proof nahi mil payega. Aur bina Income Proof ke Credit Card milna bahut mushkil hota hai, jaldi koi bank kisi vyakti ko bina Income Proof ke Credit Card jaari nahi karta hai. Iske alawa CIBIL/Credit Score keval unhi logo ke paas hota hai jinhone pehle koi loan ya Credit Card le rakha ho, CIBIL/Credit Score ka accha ya bura hona ispar nirbhar karta hai ki loan aur Credit Card ke bill ko kaise chukaya gya hai. Agar loan ya Credit Card ke bill ko bilkul time par chukaya jaaye to CIBIL/Credit Score accha generate hoga, lekin agar loan ya Credit Card ke bill ko sahi time par nahi chukaya jaaye to CIBIL/Credit Score kharab hoga.


Ab aisa bhi zaroori nahi hai ki har kisi ke paas CIBIL/Credit Score ho, to ab yeh sawaal paida hoga ki kya jiske paas Job/Business nahi hai ya jiska CIBIL/Credit Score accha nahi hai usko Credit Card nahi mil payega?
To iska seedha sa jawab hoga, bilkul milega, aur har koi Credit Card le sakta hai woh bhi bina kisi Income Proof aur CIBIL/Credit Score ke. Phir yeh sawaal paida hoga ki kaise milega?
To aapko bata den ki bina Income Proof ke aapko sabhi bank Credit Card nahi issue karte hain, lekin kuch aise bank hain jo bina kisi Income Proof aur CIBIL/Credit Score ke Credit Card issue kar dete hain. Banks asal mein Income Proof aur CIBIL/Credit Score isliye maangte hain kyunki woh sure (nishchit) hona chaahte hain ki applicant (aavedak) ke paas Income Source hai jisse woh Credit Card ke bill ka bhugtaan kar sakta hai. Jaisa ki humne pehle bhi bataya hua hai ki Credit Card ek tarah ka unsecured loan hota hai, kyunki Credit Card se aap jitna bhi kharch karte hain pehle unka bhugtaan bank karta hai, aur baad mein aap Credit Card ke bill ka bhugtaan karke woh paise bank ko lautate hain. Agar aapko Credit Card ke baare mein poori jaankari chahiye to aap humara yeh post padh sakte hain.
To ab aapko batate hain ki agar aapke paas koi job/business nahi hai to aapko Credit Card kaise milega?
Jaisa ki humne pehle hi bataya hai ki Credit Card ek unsecured loan ki tarah hai jismein bank ko kaafi risk hota hai ki agar wo kisi aise vyakti ko Credit Card dede jo Credit Card ka istemaal karne ke baad uske bill ka bhugtaan na kar paaye, to aise mein bank ko nuksaan ho jayega. Isliye bank check karta hai ki wo jis vyakti ko Credit Card issue kar raha hai woh us Credit Card dwara kiye gaye kharch ko bank ko wapis lauta payega ya nahi. Aur isi wajah se bank aavedak ke Income Source ke baare mein pata lagata hai. 
Unsecured loan dete time bhi bank yeh sabhi criteria check karta hai, lekin agar hum bank ke paas security ke taur par kuch jama kar den jaise ki Gold, Property papers etc. to bank aapko bahut aasani se loan dedega aur is loan ko 'Secured Loan' kaha jayega.
Bilkul aise hi agar aap bank ke paas security ke taur par paise jama kar den to bank aapko bina kisi Income Proof aur CIBIL/Credit Score ke Credit Card issue kar dega, aur isko 'Secured Credit Card' kaha jayega.
'Secured Credit Card' ke baare mein humne pehle hi ek post likh rakha hai, agar aapko poori jaankari chahiye to aap yeh post padh sakte hain.
To agar aapke paas job/business na hone ki wajah se Income Proof nahi hai to aap 'Secured Credit Card' ke liye apply kar sakte hain. 'Secured Credit Card' ke liye aapko Bank mein Fixed Deposit (F.D.) account kholna padega. 'Secured Credit Card' ke baare mein bata den ki is Credit Card ko apply karne ke liye aapko bank mein Security ke taur par paise jama karna hota hai jo ki Fixed Deposit ya Term Deposit ke roop mein hota hai. 
Secured Credit Card ke liye kisi Income Proof ya CIBIL/Credit Score ki zaroorat nahi hai. Secured Credit Card har vyakti bank mein ek Fixed Deposit (F.D.) kara ke le sakte hai. Secured Credit Card har bank issue nahi karta hai, lekin kuch aise bank hain jo F.D. ke against Credit Card issue kar dete hain.
To agar aapko Credit Card chahiye lekin aapke paas Income Proof aur CIBIL/Credit Score nahi hai to aap bank mein F.D. kara ke uske against mein Credit Card ke le sakte hain.
Fixed Deposit ke against mein aapko Credit Card mil to jayega lekin, ab aap yeh sochenge ki uski limit kya hogi?


What will be the Limit for Secured Credit Card?

Fixed Deposit ke against milne wale Credit Card ki limit aapke Deposit Amount par nirbhar hai. Jitne Amount ka Fixed Deposit kiya jayega aamtaur par us deposit ke 80%  se 85% ki limit Secured Credit Card ki hogi. Jaise agar aap 25,000 Rupees ka Fixed Deposit karte hain to aapko uske 80% se 85%  yaani 20,000 se 21,250 rupees ki limit di jayegi. Kuch bank Fixed Deposit ke 70% ki limit hi dete hain. 

Which Banks are Providing Secured Credit Cards?

Jaisa ki humne pehle hi bataya hai ki sabhi bank aapko Secured Credit Card yaani Fixed Deposit ke against Credit Card nahi dete hain. Lekin kuch aise bank hain jo aapko Fixed Deposit ke against Credit Card issue karte hain.
Yeh hain woh bank jo aapko Fixed Deposit ke against Credit Card issue kar sakte hain:
  • State Bank of India
  • Bank of Baroda
  • Kotak Mahindra Bank
  • Andhra Bank
  • ICICI Bank
  • Axis Bank
  • Central Bank of India
  • Syndicate Bank
  • Union Bank of India
  • DCB Bank
Yeh kuch aise bank hain jo aapko Fixed Deposit ke against Credit Card provide karte hain. Iske alawa doosre bhi bank ho sakte hain, lekin yeh unmein sabse maanejaane bank hain.
Aur agar aap in banks mein Fixed Deposit Account kholkar Credit Card ke liye apply karte hain to aapko bina kisi Income Proof aur CIBIL/Credit Score ke aasani se Credit Card mil jayega.
To agar aap Credit Card lena chahte hain to in bankon mein Fixed Deposit Account kholkar Credit Card ke liye apply kar dijiye. Chaahe aapke paas Job/Business ho ya na ho aapko bahut aasani se Credit Card mil jayega. Secured Credit Card lene ke liye aapko kam se kam (minimum) 20,000-25,000 Rupees ka Fixed Deposit karana hoga, ho sakta hai kuch bank aapko isse kam deposit par bhi Credit Card issue kar de.
To agar aap ek student hain aur Credit Card lena chaahte hain to aap inmein se kis bank mein Fixed Deposit account kholkar Secured Credit Card le sakte hain.