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Getting a PNB Credit Card without ITR (the hard way)

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Walter White

Walter White

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Want to share my experience of getting a PNB credit card after months of delays, thanks to bank's incompetence and not accepting their fault. Also, want to show that banks cannot have everything their way if you can prove them wrong.

Before people jump to the conclusion that why can't I simply provide the ITR, I was in college for the past 2 years and therefore I did not file an ITR.

Dec-22: Filed for PNB Rupay Select online and completed VKYC after 2 days

Feb-23: VKYC approved and bank asked for ITR. I told bank that it is nowhere mentioned but they said it is mandatory as per RBI guidelines. Filed a complaint with RBI Ombudsman but rejected under Clause 16.

Mar-23: Filed RTI against both RBI and PNB. Asked RBI whether ITR is mandatory as per what PNB bank officials mentioned. Same day, filed RTI against PNB asking for their internal policy document regarding CC eligibility and if ITR is mandatory why is it not updated on their site.

Apr-23: Received reply through RTI by RBI that they haven't advised anything of that sort to PNB and got a reply from PNB that ITR is mandatory and they will update it on the website shortly. Mailed the MD desk attaching copies of both RTI asking why the information has not been updated and that banks need to be transparent regarding the eligibility criteria.

May-23: Received a call from the bank that they apologise for it and will update the site ASAP. I asked them to remove the CIBIL hit as bank had not disclosed this clearly while applying. Executive on the call asked me to share salary slips, bank statement, offer letter and company ID card. Got approval after 2 days.

Feel free to ask for the copy of RTI filed. 🙂
 
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Walter White said:
Want to share my experience of getting a PNB credit card after months of delays, thanks to bank's incompetence and not accepting their fault.

Dec-22: Filed for PNB Rupay Select online and completed VKYC after 2 days

Feb-23: VKYC approved and bank asked for ITR. I told bank that it is nowhere mentioned but they said it is mandatory as per RBI guidelines. Filed a complaint with RBI Ombudsman but rejected under Clause 16.

Mar-23: Filed RTI against both RBI and PNB. Asked RBI whether ITR is mandatory as per what PNB bank officials mentioned. Same day, filed RTI against PNB asking for their internal policy document regarding CC eligibility and if ITR is mandatory why is it not updated on their site.

Apr-23: Received reply through RTI by RBI that they haven't advised anything of that sort to PNB and got a reply from PNB that ITR is mandatory and they will update it on the website shortly. Mailed the MD desk attaching copies of both RTI asking why the information has not been updated and that banks need to be transparent regarding the eligibility criteria.

May-23: Received a call from the bank that they apologisrle for it and will update the site ASAP. I asked them to remove the CIBIL hit as bank had not disclosed this clearly while applying. Executive on the call asked me to share salary slips, bank statement, offer letter and company ID card. Got approval after 2 days.

Feel free to ask for the copy of RTI filed. 🙂

@TechnoFino
Click to expand...
You don't file ITR? why so secrecy about it.
 
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Walter White said:
Want to share my experience of getting a PNB credit card after months of delays, thanks to bank's incompetence and not accepting their fault. Also, want to show that banks cannot have everything their way if you can prove them wrong.

Before people jump to the conclusion that why can't I simply provide the ITR, I was in college for the past 2 years and therefore I did not file an ITR.

Dec-22: Filed for PNB Rupay Select online and completed VKYC after 2 days

Feb-23: VKYC approved and bank asked for ITR. I told bank that it is nowhere mentioned but they said it is mandatory as per RBI guidelines. Filed a complaint with RBI Ombudsman but rejected under Clause 16.

Mar-23: Filed RTI against both RBI and PNB. Asked RBI whether ITR is mandatory as per what PNB bank officials mentioned. Same day, filed RTI against PNB asking for their internal policy document regarding CC eligibility and if ITR is mandatory why is it not updated on their site.

Apr-23: Received reply through RTI by RBI that they haven't advised anything of that sort to PNB and got a reply from PNB that ITR is mandatory and they will update it on the website shortly. Mailed the MD desk attaching copies of both RTI asking why the information has not been updated and that banks need to be transparent regarding the eligibility criteria.

May-23: Received a call from the bank that they apologise for it and will update the site ASAP. I asked them to remove the CIBIL hit as bank had not disclosed this clearly while applying. Executive on the call asked me to share salary slips, bank statement, offer letter and company ID card. Got approval after 2 days.

Feel free to ask for the copy of RTI filed. 🙂

@TechnoFino @AsB @Wealth is my birth right!
Click to expand...
Can you share me what you have sent. My application is also stuck at ITR file
 
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Walter White said:
Want to share my experience of getting a PNB credit card after months of delays, thanks to bank's incompetence and not accepting their fault. Also, want to show that banks cannot have everything their way if you can prove them wrong.

Before people jump to the conclusion that why can't I simply provide the ITR, I was in college for the past 2 years and therefore I did not file an ITR.

Dec-22: Filed for PNB Rupay Select online and completed VKYC after 2 days

Feb-23: VKYC approved and bank asked for ITR. I told bank that it is nowhere mentioned but they said it is mandatory as per RBI guidelines. Filed a complaint with RBI Ombudsman but rejected under Clause 16.

Mar-23: Filed RTI against both RBI and PNB. Asked RBI whether ITR is mandatory as per what PNB bank officials mentioned. Same day, filed RTI against PNB asking for their internal policy document regarding CC eligibility and if ITR is mandatory why is it not updated on their site.

Apr-23: Received reply through RTI by RBI that they haven't advised anything of that sort to PNB and got a reply from PNB that ITR is mandatory and they will update it on the website shortly. Mailed the MD desk attaching copies of both RTI asking why the information has not been updated and that banks need to be transparent regarding the eligibility criteria.

May-23: Received a call from the bank that they apologise for it and will update the site ASAP. I asked them to remove the CIBIL hit as bank had not disclosed this clearly while applying. Executive on the call asked me to share salary slips, bank statement, offer letter and company ID card. Got approval after 2 days.

Feel free to ask for the copy of RTI filed. 🙂

@TechnoFino @AsB @Wealth is my birth right!
Click to expand...
These incidents truly inspires, us, as consumers/credit card enthusiasts, to fight for our rights and take necessary action against giants such as big corporates, banks, etc.
No one can run away when proper law & order is being maintained.
However I am disappointed with RBI BO that they have closed your complaint under clause 16 which is an injustice.
Ideally, this should have been sort out completely by RBI BO, but they chose not to.
I appreciate your efforts that you've put in to seek justice. A similar petition has been started by @TechnoFino against Banks not disclosing rejection reasons and RBI closing the case under clause 16.
This will in turn generate a fear in these giants that a consumer is not someone who'll tolerate all their non sense and stay quiet.
At last, it is good of PNB that they acknowledged the RTI report and decided to grant you an approval, because if they had been stubborn like SBI, who is not afraid of anyone, you might have to appeal to a higher authority.
Your patience and wait of 4 months has paid off. Congratulations! 😇
 
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RewardsAlert said:
These incidents truly inspires, us, as consumers/credit card enthusiasts, to fight for our rights and take necessary action against giants such as big corporates, banks, etc.
No one can run away when proper law & order is being maintained.
However I am disappointed with RBI BO that they have closed your complaint under clause 16 which is an injustice.
Ideally, this should have been sort out completely by RBI BO, but they chose not to.
I appreciate your efforts that you've put in to seek justice. A similar petition has been started by @TechnoFino against Banks not disclosing rejection reasons and RBI closing the case under clause 16.
This will in turn generate a fear in these giants that a consumer is not someone who'll tolerate all their non sense and stay quiet.
At last, it is good of PNB that they acknowledged the RTI report and decided to grant you an approval, because if they had been stubborn like SBI, who is not afraid of anyone, you might have to appeal to a higher authority.
Your patience and wait of 4 months has paid off. Congratulations! 😇
Click to expand...
The thing with RTI is that no public authority can run away from it and needs to come up with a genuine answer(with the exception of a few use cases not covered under its ambit). Also, giving incorrect information is punishable under the law. RTI is the most powerful tool in the country to promote transparency and accountability of government institutions.
 
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