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Non customers have high risk of Cibil Hit and rejection, plus if your location is outside metros, rejection chances increases furtherYou can check with PNB - FD based credit card.
The are issuing FD based credit card immediately for their customers, I am not sure for non-customer.
But you can check with nearest PNB
FD based credit card will not hit CIBIL enquiries. You can apply ang get the virtual card with in 8 -12 hours.I have a Premium saving account with PNB. I also want an FD-based Rupay card for UPI transactions and to increase my CIBIL with Mixed Credits.
Do I need to visit the branch? Will this FD-based card also go through CIBIL inquiry?
I had just acquired a new credit card this month. I do not wish for any more CIBIL inquiries for a few months.
Yes, not all the bank officials knows this.@KT Shanmuganathan I went to Bank today. The guy was not very aware of all this. He called here and there to know a lot of stuff. Also, There was no pre-approved card on my account. They asked me to create an FD and I did so. After this, he filled out an online form while I was watching everything he was doing. We selected for "Rupay Select" card. After filling out the online form he took a printout and added my signature, aadhar, PAN, and a photo. He told me that he will be sending this form tomorrow to the Delhi office. And all the rest will be notified to me later.
PNB's all Rupay credit cards (Including Select) will work with Gpay and others.@KT Shanmuganathan Do you know if the Rupay Select card will work on Gpay or not? Also, are you aware of the charges- Joining and Annual?
FD based card or non FD based card.It has been a week now. There is no update on my PNB credit card. No SMS, no communication. Not showing on the Genie app.
Sadly, I do not have the application number. Hence, would have to visit the branch to check the status. will visit tomorrow.
I created FD of 61k today. But I am getting error as no eligible fd available when clicking on apply credit card against fd.FD based card or non FD based card.
FD based card, you could get it on the same day with in 12 hours of of apply.
Contact your branch, they will easily get you a cardI created FD of 61k today. But I am getting error as no eligible fd available when clicking on apply credit card against fd.
Note:
Its already on auto renew
I visited branch again. They asked me to wait for 24 hrs of FD.Contact your branch, they will easily get you a card
were you able to get card? how much time did it take?It has been a week now. There is no update on my PNB credit card. No SMS, no communication. Not showing on the Genie app.
Sadly, I do not have the application number. Hence, would have to visit the branch to check the status. will visit tomorrow.
Yes. Took a month.were you able to get card? how much time did it take?
did they ask for ITR? ( brand near my house was insistent on it)
Yes it is true. My application was rejected when i didnt hold an account. and Cibil hits as rejection. Later I opened an account , then FD for a month, got the FD based card instantly, Physical card after a week.Non customers have high risk of Cibil Hit and rejection, plus if your location is outside metros, rejection chances increases further