Cheap Tricks by BOB😡

[Predator]

hi
After reading a post on forum regarding LTF offer, I applied for a credit card but did not receive any link for VKYC. Then I contacted them via call, email, and Twitter to provide me a link. Always received the same response to wait for 3 working days. This thing continued for 15-16 days.

The matter got settled when From the escalation team I received a mail telling me that as per internal risk criteria they can not issue me a card right now.
I was also relaxed as this BOB card thing was turning into a huge headache.

Then, after a week I received a call from a guy who introduced himself as BOB agent and is coming to verify my details. I said okay let's do it and he verified my ID and address. The next day I got a call from BOB asking about the behavior of agent, whether he demanded cash, wearing I-Card in his neck, and stuff like that. I responded positively

Today, I received an SMS saying my card is approved and will be dispatched shortly.

I know this is a typical BOB being BOB case and BOB is infamous for misadventures like this. But, also makes me wonder about poor state of our commercial banks. Banking sector is one of the oldest sectors and receives full government support also but it could not keep pace with growing technology and are indifferent to the needs of its customers.

 

[gabu]

Thats why havn't applied for Bob considering all the hype in recent months.
Their support is a big question mark. how will they handle fraud n other stuff.
Plus the psu employees attitude of thinking all common people except them as fraud.

 

[BigdeBigde is verified member.]

All well if it ends well, don't fret too much about BOB policies. It's BOB being BOB and nothing else. Enjoy their instant discounts which they offer time and again.

 

[SunnyM]

Well at least it was approved in the end. Congrats . Do share how much credit limit you got and the card variant you applied.

 

[NewUser]

Yes .. BOB does saste nashe.

I had an experience where I applied for BOB Eterna[met all criteria by quite a margin]. After a lot of hassle, inquiries by agents, they said the card has been approved. Only when it was dispatched, I found that it was BOB Premier card. Became frustated and requested to close the card(didn't even activate it upon receiving). Even the closure was frustating(had to do multiple rounds to the branch for card closure).
CIBIL score dropped 73 points. Lesson to self: try to avoid sarkari banks, and never BOB.

 

[Hrraj]

hi
After reading a post on forum regarding LTF offer, I applied for a credit card but did not receive any link for VKYC. Then I contacted them via call, email, and Twitter to provide me a link. Always received the same response to wait for 3 working days. This thing continued for 15-16 days.

The matter got settled when From the escalation team I received a mail telling me that as per internal risk criteria they can not issue me a card right now.
I was also relaxed as this BOB card thing was turning into a huge headache.

Then, after a week I received a call from a guy who introduced himself as BOB agent and is coming to verify my details. I said okay let's do it and he verified my ID and address. The next day I got a call from BOB asking about the behavior of agent, whether he demanded cash, wearing I-Card in his neck, and stuff like that. I responded positively

Today, I received an SMS saying my card is approved and will be dispatched shortly.

I know this is a typical BOB being BOB case and BOB is infamous for misadventures like this. But, also makes me wonder about poor state of our commercial banks. Banking sector is one of the oldest sectors and receives full government support also but it could not keep pace with growing technology and are indifferent to the needs of its customers.

when you applied?

 

[ltf4ever]

Became frustated and requested to close the card(didn't even activate it upon receiving). Even the closure was frustating(had to do multiple rounds to the branch for card closure).

isn't the card account automatically closed as per rbi guidelines if it is not activated within 30 days of receipt?
source: https://timesofindia.indiatimes.com...ard-activation-norms/articleshow/92374870.cms


i have been receiving many calls from the banks as soon as i received the card, asking me to activate it.

 

[Predator]

Well at least it was approved in the end. Congrats . Do share how much credit limit you got and the card variant you applied.

sure and Thanks

 

[Predator]

Yes .. BOB does saste nashe.

I had an experience where I applied for BOB Eterna[met all criteria by quite a margin]. After a lot of hassle, inquiries by agents, they said the card has been approved. Only when it was dispatched, I found that it was BOB Premier card. Became frustated and requested to close the card(didn't even activate it upon receiving). Even the closure was frustating(had to do multiple rounds to the branch for card closure).
CIBIL score dropped 73 points. Lesson to self: try to avoid sarkari banks, and never BOB.

BOB has more victims than Customers.

when you applied?

25 August

 

[NewUser]

isn't the card account automatically closed as per rbi guidelines if it is not activated within 30 days of receipt?
source: https://timesofindia.indiatimes.com...ard-activation-norms/articleshow/92374870.cms


i have been receiving many calls from the banks as soon as i received the card, asking me to activate it.

Not true. I had applied for an ICICI credit card in 2014, which I never activated. I don't even know where the card is or even which card, but it is displayed in CRED as active with other cards and till date, full payment in a timely manner. Thank god the card is LTF 🙂

 

[ltf4ever]

Not true. I had applied for an ICICI credit card in 2014, which I never activated. I don't even know where the card is or even which card, but it is displayed in CRED as active with other cards and till date, full payment in a timely manner. Thank god the card is LTF 🙂

yes the link articles talks about upcoming changes that rbi has asked banks to comply with. so going forward it will hopefully be more user friendly process in case banks forcefully open a card.

 

[Batmanbaba]

u havent seen the nasha of sbi cards.....

 

[thirdworldfish]

I had a bitter experience with BoB. The support is horrendous and took months to reverse the extra credit they had after I put in a request to close my card. I hope they are better now considering new RBI rules. But I don't have high hopes.

 

[aamaadmi]

hi
After reading a post on forum regarding LTF offer, I applied for a credit card but did not receive any link for VKYC. Then I contacted them via call, email, and Twitter to provide me a link. Always received the same response to wait for 3 working days. This thing continued for 15-16 days.

The matter got settled when From the escalation team I received a mail telling me that as per internal risk criteria they can not issue me a card right now.
I was also relaxed as this BOB card thing was turning into a huge headache.

Then, after a week I received a call from a guy who introduced himself as BOB agent and is coming to verify my details. I said okay let's do it and he verified my ID and address. The next day I got a call from BOB asking about the behavior of agent, whether he demanded cash, wearing I-Card in his neck, and stuff like that. I responded positively

Today, I received an SMS saying my card is approved and will be dispatched shortly.

I know this is a typical BOB being BOB case and BOB is infamous for misadventures like this. But, also makes me wonder about poor state of our commercial banks. Banking sector is one of the oldest sectors and receives full government support also but it could not keep pace with growing technology and are indifferent to the needs of its customers.

dude, waiting forvever tog et vkyc link. no emails are getting replies. sad state.

 

[Predator]

dude, waiting forvever tog et vkyc link. no emails are getting replies. sad state.

Escalate the issue and forget about it

 

[Predator]

Well at least it was approved in the end. Congrats . Do share how much credit limit you got and the card variant you applied.

BoB Select and 40K limit

 

[rg8605384]

Verification agent tagged my phone no. to some other application# and because of that my application didn't get processed.

Pata nhi konsa mal fukar kaam krte hai