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SBI Credit Card rejection

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karuturi24

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Hello everyone,

I had two sbi cards ( BPCL and Apollo) and closed both the cards in 2021. I had one late entry (30 days delay) in BPCL card.
After closing sbi cards, I have been trying to get new SBI card since 2 years, everytime it is getting rejected. Because of late entry in the past is the reason for the rejection?

My CIBIL is around 758
I have normal savings account from 2010.
 
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Everything is possible with SBI cards. I used different mobile number for SBI card application, due to this I got several calls to ask the details and confirm (that time my friend working with sbi cards, and told that different mobile number is the reason for too many calls and delay in acceptance.) He personally looked into my application and found that wrong kyc documents uploaded for my application, he flagged that with verification team and removed otherwise my application maybe rejected (he told that) .
 
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karuturi24 said:
Hello everyone,

I had two sbi cards ( BPCL and Apollo) and closed both the cards in 2021. I had one late entry (30 days delay) in BPCL card.
After closing sbi cards, I have been trying to get new SBI card since 2 years, everytime it is getting rejected. Because of late entry in the past is the reason for the rejection?

My CIBIL is around 758
I have normal savings account from 2010.
Click to expand...
T r y offline with good knowledge agent
 
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hema220 said:
Everything is possible with SBI cards. I used different mobile number for SBI card application, due to this I got several calls to ask the details and confirm (that time my friend working with sbi cards, and told that different mobile number is the reason for too many calls and delay in acceptance.) He personally looked into my application and found that wrong kyc documents uploaded for my application, he flagged that with verification team and removed otherwise my application maybe rejected (he told that) .
Click to expand...
were u able to get card.. I currently hold sbi cashback card with 3L limit.. when applying for SBi core card (like click, save) got rejected twice
any way to get it approved ..780 cibil , 100% payment history,,,salary close to 2L.. (do you think my application is flagged as well? also any cooling period for SBI??
 
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Sunil R said:
were u able to get card.. I currently hold sbi cashback card with 3L limit.. when applying for SBi core card (like click, save) got rejected twice
any way to get it approved ..780 cibil , 100% payment history,,,salary close to 2L.. (do you think my application is flagged as well? also any cooling period for SBI??
Click to expand...
Actually I am holding ola SBI card, never tried for core card. I am not sure about cooling period. in my case, they wrongly uploaded my kyc documents I.e. someone else document is added along with my document. If my friend didn't find it on time then my application is rejected directly (as he told me that). As per my experience, there is possibility that your application may be rejected due their (sbi card) mistake not yours.
 
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hema220 said:
Actually I am holding ola SBI card, never tried for core card. I am not sure about cooling period. in my case, they wrongly uploaded my kyc documents I.e. someone else document is added along with my document. If my friend didn't find it on time then my application is rejected directly (as he told me that). As per my experience, there is possibility that your application may be rejected due their (sbi card) mistake not yours.
Click to expand...
i need one core card .. last rejection 5 months ago.. after 6 months will go to a near by mall and apply from SBI kiosk
 
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SBI is the most egoistic bank among all banks.. Recently i won 5000 Rs compensation from RBI Banking Ombudsman against SBI cards. In my case. they forced me to apply through sales agent and didn't collected my KYC documents.

No one knows on what criterion they accept/reject credit card....one of my house help & driver has SBI credit card whereas they rejected my business partners credit card application who has 800+ cibil score, we had current account with SBI and our company's turnover is in crores.

It seems they are more inclined to serve the workers in minion jobs, gig workers or in unorganized sector who don't get credit card from private banks.

For peace of mind and to keep our BP in control, We CLOSED our companies all relationship with SBI...Now our life is peaceful.

We are in process of opening new current account with HDFC and they are offering LTF infinia to me & my business partner.
 
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s1t2y3a3m6 said:
Yes, you have your answer.

Btw, you shouldn't have close the all SBI cards in this situation.You can change card variant bb requesting cc.
Click to expand...
I am trying to get sbi cards fronm 2022 it was failed in filed verification in 2022 .Now my application got declined instantly by saying that over liablity my cibil is 778 with 11 cards 2 loans with zero % utilazation i dont know what doto do ?
 
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Boy 07 said:
I am trying to get sbi cards fronm 2022 it was failed in filed verification in 2022 .Now my application got declined instantly by saying that over liablity my cibil is 778 with 11 cards 2 loans with zero % utilazation i dont know what doto do ?
Click to expand...
They see total exposure not utilisation.
They call it overleveraged.
 
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Boy 07 said:
I am trying to get sbi cards fronm 2022 it was failed in filed verification in 2022 .Now my application got declined instantly by saying that over liablity my cibil is 778 with 11 cards 2 loans with zero % utilazation i dont know what doto do ?
Click to expand...
Close your unused cards and decrease limit of you have excess than required.

Then apply after 3 months.
 
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s1t2y3a3m6 said:
Close your unused cards and decrease limit of you have excess than required.

Then apply after 3 months.
Click to expand...
i have 2 cards of every bank visa and ruapy should i try to closed my laon becouse in 2023 i have same cards and i got approved in principal but declined in field verification in december 2023 i got unipaycheck with limit 50k as its started showing in the cibil application started instantly reject
 
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