Bhai I have a rejection letter from SBI itself dated Nov 2025 which specifically says Rejected due to outstanding dues on existing card also my CIBIL shows payment history for 2024 on a card closed in 2022. This is not a normal closure it's a technical error that cost me 9 loans
I need to share a shocking case of negligence by SBI Card that destroyed my credit profile.
The Timeline:
Oct 2022: I closed my SBI Credit Card.
Oct 2022 – Sep 2024: Instead of closing it, SBI continued to report the card as "Active" to CIBIL. My report shows "Payment History" for 2023 and 2024...
IndusInd Bank shows all transactions as POS in the message or app, but later records them internally as either online or offline based on the payment method. That’s how their system works