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In order to avail credit card you are required to meet the specific eligibility criteria set by credit card issuer. If one fails to meet the eligibility criteria ,card issuer might reject ones application which in turn effects credit score. Below is the broad eligibility criteria.

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In order to avail credit card you are required to meet the specific eligibility criteria set by credit card issuer. If one fails to meet the eligibility criteria ,card issuer mkght reject ones application which in turn effects credit score. Below is the broad eligibility criteria.

PARTICULAR	DETAILS
Credit Score	Preferably above 750
Min to Max Age	18-65 years
Income requirement	Stable Annual / Monthly income
Employment	Salaried / Self Employed

Eligibility

Eligibility criteria for a credit card varies from issuer to issuer However, there are a few factors that primarily decide your eligibility for a credit card as mentioned below.

Credit Score

Card issuers check your score—750+ is ideal, but starter cards exist too.

Credit Utilization Ratio

Lower credit use shows better control and boosts your credit score.

Credit Enquiries

Space out credit applications to protect your credit score

Employment

Stable job and location improve your credit card chances.

Credit Card Limit

Credit card limit is determined by credit score and other factors

1

Credit Score

The card issuer evaluates your credit score during the application. Providers like CIBIL and Experian determine it based on credit history, payment behavior, and discipline. A score above 750 is preferred, but entry-level cards exist for those with no credit history.

2

Credit Utilization Ratio

Credit Utilization Ratio (CUR) is the ratio between the credit limit you have used to the overall credit limit. It shows how much of your available credit limit you are using and a lower usage shows better conduct.

3

Credit Enquiries

This refers to the number of applications with various lending/credit card organisations . The lender requests the credit bureau for your credit report and multiple enquiries in a short period of time can lower your credit score. There should be an advised gap of at least 6 months before applying for another credit card/ loan.

4

Employment

Your stability affects credit card eligibility. Long-term employment boosts credibility and approval chances. Location matters too—issuers check your address, and some cards are city-specific. Before applying, verify if the card is available in your city to ensure eligibility.

5

Credit Card Limit

The credit card limit is determined by income, credit score, payment history, and other factors. Issuers set limits after assessing applications. Meeting the card’s minimum income requirement is essential to qualify and maximize approval chances.

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Documents Required to Apply for a Credit Card:

The documents required to apply for a credit card usually depend on your credit card issuer. Below-mentioned is the list of documents that you may need to submit to avail a credit card:

Duly-filed application form

Passport-size photographs

Identity proof

Address proof

Latest salary slips

Bank statement

Form 16

Annual ITR (if required)