Hi everyone,
I'm hoping to get some insight on a strange credit card application experience with SBI, specifically the SimplySave card via YONO.
The Timeline of Confusion:
* ~1 Month Ago: Applied via YONO. Got a soft approval notification.
* A Few Days Later: An agent contacted me to proceed. I was asked to schedule a VKYC, but the page consistently showed a frustrating error: "State should not be blank".
* Customer Service: I contacted SBI Card CC and the Nodal Officer, who both told me to wait due to a "technical glitch."
* The Rejection: After a week, I received a generic rejection email. 😒
The RBI Ombudsman Complaint and the Shocking Reply:
Feeling frustrated, I raised a complaint with the RBI Ombudsman. Here is the highly contradictory reply I received from SBI Card:
> "We wish to share that our field representative had met with an accident, and the documents were not able to collect and processed on time due to which application was declined."
> Okay, that's one reason... but wait, there's more! After they contacted me about reapplying, they immediately shot me down with a completely different, policy-based reason:
> "Further, we have contacted you and requested you to reapply for card application... as per business policy, you are not eligible to get the card as of now due to the current scenario, you are doing work from home and your office is in MP (which is > 100 KM from permanent address); therefore, as per policy we regret to issue card to you."
> My Questions for the Community:
* Has anyone ever heard of this "WFH office address > 100 KM from permanent address" rule as a reason for SBI Card rejection? Is this a standard/known business policy, especially when dealing with WFH employees?
* Do I have any grounds to push back on the Ombudsman complaint given the two wildly different reasons (Agent Accident vs. WFH Policy) they provided?
Any advice on what step to take next would be greatly appreciated!
I'm hoping to get some insight on a strange credit card application experience with SBI, specifically the SimplySave card via YONO.
The Timeline of Confusion:
* ~1 Month Ago: Applied via YONO. Got a soft approval notification.
* A Few Days Later: An agent contacted me to proceed. I was asked to schedule a VKYC, but the page consistently showed a frustrating error: "State should not be blank".
* Customer Service: I contacted SBI Card CC and the Nodal Officer, who both told me to wait due to a "technical glitch."
* The Rejection: After a week, I received a generic rejection email. 😒
The RBI Ombudsman Complaint and the Shocking Reply:
Feeling frustrated, I raised a complaint with the RBI Ombudsman. Here is the highly contradictory reply I received from SBI Card:
> "We wish to share that our field representative had met with an accident, and the documents were not able to collect and processed on time due to which application was declined."
> Okay, that's one reason... but wait, there's more! After they contacted me about reapplying, they immediately shot me down with a completely different, policy-based reason:
> "Further, we have contacted you and requested you to reapply for card application... as per business policy, you are not eligible to get the card as of now due to the current scenario, you are doing work from home and your office is in MP (which is > 100 KM from permanent address); therefore, as per policy we regret to issue card to you."
> My Questions for the Community:
* Has anyone ever heard of this "WFH office address > 100 KM from permanent address" rule as a reason for SBI Card rejection? Is this a standard/known business policy, especially when dealing with WFH employees?
* Do I have any grounds to push back on the Ombudsman complaint given the two wildly different reasons (Agent Accident vs. WFH Policy) they provided?
Any advice on what step to take next would be greatly appreciated!
Attachments
