I Don't have any BOB, PNB CREDIT CARD.
IN PAST All PSU BANK REJECTED MY Application.
.
My Score is Decent.. But Inquiries are too much..
Is there any zero balance savings account interest in BOB and PNB.? If yes then plz provide information..
So that I will open Zero Balance account and then wait for Pre Approved offer...
@Tejo @S S V @D₹V
A.
Open BOB Lite account online
Maintain 3k if metro or Urban, 2k if SU/R Branch. You will get a LTF Rupay platinum debit card.
If you maintain good relationship and good transaction, you will get their credit card easily on the basis of account - no kyc no documents. Off-line agent only take pan no and apply. In my case no verification was done straight card approved message after some days.
Salary based, ITR based, card 2 card also possible. Having full kyc account most of the cases doesn't need kyc or address verification.
B.
PNB is still behind bob because almost all cases they ask ITR, Also asks for computation of income.
Online account possible. Don't bother to open zero mab account because it's mab is very less like 2k for metro.
Open one.
If you have ITR apply online and also send the documents to their email id (their is a good thread in technofino on pnb application read it)
It takes time sends discrepancy messages but still after some days you will get approval message.
Note:
1. PSU banks have lengthy process
2. Confusing messages comes
3. Customer care have less idea (but helps for pnb)
4. They generally try but not always succeed to tell you that there is some problem in your application you have to ask calling customer care if there is any update.
5. PSU customer care when confused they don't try to solve problems they just say to visit nearest branch.
6. So if you have patience and some time for these banks and sometimes cool temper. Choose these banks.
7. These banks are not bad but their system is so overburdened they just works.
8. Processes are cumbersome but fruitful in cases of loans rates etc.