How long to wait after many cibil enquiries

[tappukepapa]

So only pre approved ones will affect cashback limit? Or what's the case here?
I don't understand how this works

Preapproved mein khud limit deni padegi existing cards se.
Normal apply karne par limit 10k se 20k ya phir lakhs mein bhi mil sakti hai. Decline bhi ho sakta hai.

 

[vine]

It will not affect your SBI CB Limit. You will get around 1L limit in your Simply Save
Nowadays my primary driver is SBI CB I spend around 30% every month on the card. Thinking of getting the Simply Click for Instant discount offers.

I thought SimplyClick is redundant if we already have Sbi CB.
What's the advantage for SimplyClick over SBI CB?

 

[Animesh67]

I thought SimplyClick is redundant if we already have Sbi CB.
What's the advantage for SimplyClick over SBI CB?

No added advantage by joining fees will be recovered with the Amazon Voucher I will transfer most of my limit to SBI CB and keep around 60K for SBI Instant discount offers
I just needed the card to avail instant discount and Simply Save is not useful according to my spends

 

[cowcoconut]

I thought SimplyClick is redundant if we already have Sbi CB.
What's the advantage for SimplyClick over SBI CB?

SBI cashback isn't applicable for instant discount in amazon etc.
SBI is a big player in sales, so they almost always have offers of the form "1000 off on spends of 5000+", especially during diwali/chrismas sales

 

[sudoabhi]

8k per month spend on protein powder

I can't find a way to apply without affecting my SBI cashback limit

Get an SBI in any of your family members' name, preferably SimplySave Rupay. Then you can use that card for instant discounts during sale. Also get add-on card in your name from that card. This will work?

 

[cowcoconut]

Get an SBI in any of your family members' name, preferably SimplySave Rupay. Then you can use that card for instant discounts during sale. Also get add-on card in your name from that card. This will work?

My dad has some ancient sbi platinum credit card, does it work on sbi sales? EDIT: its actually simplyclick I can use it for bank offers while my CIBIL recovers
I don't really need an addon card, can use that card actually

 

[tappukepapa]

My dad has some ancient sbi platinum credit card, does it work on sbi sales?
I don't really need an addon card, can use that card actually

It should work

 

[Kumar93196]

I want sbi cb.
Currently i have filled 4lac itr.
I already have sbi paytm card.
Last 6 months enquiries are 6. And my credit profile is 3years old cibil is 776. Any suggestions do i apply or not?

 

[cowcoconut]

I want sbi cb.
Currently i have filled 4lac itr.
I already have sbi paytm card.
Last 6 months enquiries are 6. And my credit profile is 3years old cibil is 776. Any suggestions do i apply or not?

Try waiting till you have no cibil enquiries in the last 3 months. That is my plan currently for my next LTF card
If you have salary account with SBI check netbanking for preapproved offers:

Thread 'Got SBI Cashback Instantly'

Jul 5, 2024

Hey,
I had previously applied for sbi cashback and the agent kept calling me to verify and kept failing. Random calls etc. kept happening for a month and they rejected my card. I finally gave up and then got the hdfc swiggy card. Now today when I logged into internet banking, it showed that I'm eligible for pre approved credit cards, SBI cashback was one of them. I clicked apply and filled the form today afternoon.
Today evening itself I got the confirmation that my card is dispatched and also got a virtual card right away.
At first I thought I got scammed or something, but I checked and...

• cowcoconut
• credit card sbi cashback
• Replies: 145
• Forum: SBI Cards

• 
• 
• 

 

[Kumar93196]

Try waiting till you have no cibil enquiries in the last 3 months. That is my plan currently for my next LTF card
If you have salary account with SBI check netbanking for preapproved offers:

Thread 'Got SBI Cashback Instantly'

Jul 5, 2024

Hey,
I had previously applied for sbi cashback and the agent kept calling me to verify and kept failing. Random calls etc. kept happening for a month and they rejected my card. I finally gave up and then got the hdfc swiggy card. Now today when I logged into internet banking, it showed that I'm eligible for pre approved credit cards, SBI cashback was one of them. I clicked apply and filled the form today afternoon.
Today evening itself I got the confirmation that my card is dispatched and also got a virtual card right away.
At first I thought I got scammed or something, but I checked and...

• cowcoconut
• credit card sbi cashback
• Replies: 145
• Forum: SBI Cards

• 
• 
• 

Only relationship i have is i hold paytm sbi card nothing else.

 

[Ak Singh]

Recently my sbi CB has been approved but limit is only 16k and have BPCL rupay with 30k limit and don't want to transfer BPCL limit to sbi CB CC. So when Should I apply again for third sbi cc? I applied sbi CB card after 4 month of BPCL approval.

 

[cowcoconut]

Recently my sbi CB has been approved but limit is only 16k and have BPCL rupay with 30k limit and don't want to transfer BPCL limit to sbi CB CC. So when Should I apply again for third sbi cc?

3 months is what other people in threads have told me.
But do some research regarding limit transfer to cashback first. I have read here that they periodically reevaluate the limit and reduce it for sbi cashback if its higher than their internal criteria. Second hand info I got from here, not sure myself.

 

[Kumar93196]

I just applied sbi cashback card
It gave me 2 options
Vkyc or account validation.
I chose account validation via my hdfc account.
Did i completed the process correctlly???
I already hold paytm sbi card
@D₹V @Vasuki

 

[Ak Singh]

3 months is what other people in threads have told me.
But do some research regarding limit transfer to cashback first. I have read here that they periodically reevaluate the limit and reduce it for sbi cashback if its higher than their internal criteria. Second hand info I got from here, not sure myself.

What is the internal criteria?
My sbi CB limit is 16k only.
Is sbi provide l.e on sbi CB CC? If yes it will take atleast six months and it will be better to I should apply new sbi cc after three months.

I am saying that I will apply next sbi cc after three months and if I get approval I will transfer all the possible limit to sbi CB from this new sbi cc..

 

[cowcoconut]

What is the internal criteria?

I am saying that I will apply next sbi cc after three months and if I get approval I will transfer all the possible limit to sbi CB from this new sbi cc..

Not 100% sure but its salary and CIBIL score I guess, can someone else confirm?

 

[Vasuki]

I just applied sbi cashback card
It gave me 2 options
Vkyc or account validation.
I chose account validation via my hdfc account.
Did i completed the process correctlly???
I already hold paytm sbi card
@D₹V @Vasuki

Yes ckyc will be featched same as hdfc reported

 

[Kumar93196]

Yes ckyc will be featched same as hdfc reported

So what do you think will it be approved

 

[Vasuki]

So what do you think will it be approved

If they don't ask income doc
Mark it as pre approved unless u run into sbi technical glitch

 

[Kumar93196]

If they don't ask income doc
Mark it as pre approved unless u run into sbi technical glitch

They didn't asked for any income details

 

[Vasuki]

They didn't asked for any income details

Then wait for few days
When they say u will.get verification call from gurgaon office