Preferred Credit Score
The score range for best offers.
Tag
#credit-score
Minimum Credit Score
Lowest score for card approval.
Credit Score Required
Minimum credit score for a card.
Cooling-Off Period for Reapplication
Waiting period before reapplying.
Reapply After Rejection
Reapplying after a declined application.
Rejection Reason
The reason a card application was declined.
Application Rejected
A declined card application.
Application Status
The current state of a card application.
Credit Policy Violation
A violation of issuer policy during application.
Risk Grade
An issuer's internal risk classification.
Internal Credit Policy
An issuer's private approval criteria.
Banking Relationship Value
The value of an existing customer.
Existing Relationship
Pre-existing banking with the issuer.
Fixed Obligation to Income Ratio (FOIR)
An Indian measure of debt obligations.
Debt-to-Income Ratio (DTI)
Total debt relative to income.
Income Assessment
Assessment of income for eligibility.
CIBIL Check
A credit report check during application.
Aadhaar-Based KYC
KYC using Aadhaar number.
PAN Mandatory
PAN requirement for card applications.
Video KYC
Live video verification for KYC.
E-KYC
Digital KYC verification.
Know Your Customer (KYC)
Identity verification for financial products.
Underwriter
A professional reviewing credit applications.
Manual Underwriting
A manual review of an application.
Auto-Approval
Automatic approval of a card application.
Instant Approval
An immediate approval decision.
Pre-Selected
Selected for a card offer by the issuer.
Pre-Qualified
An initial eligibility check.
Pre-Approved Offer
A card offer based on existing relationship.
Overseas Citizen of India (OCI)
An overseas citizen with Indian origins.