If i dont activate a secured card will it reflect in closed account of cibil?

[shariqAzim]

Hello,
I had applied for a secured card from sbi(simplyclick) yesterday as they were not approving my unsecured card.
Now I'm thinking what if i dont accept the card neither activate it and move my salary account to sbi, then technically after 6 months i should be able to apply again as unsecured itself. Yes it may not be approved then also,still better than rejecting cause already own a card with them.

Whatever cibil enquiry has been done is done.

My credit line is arround 15 lakhs and 1.5 lakhs around salary in hand. Cibil 780.
Everytime sbi rejects it saying over leveraged. I had previously applied in march,july and October in 2024 via bank employees.

Suggestions please?i hope i was able to provide most relevant informations.

 

[EverybodyEverybody is verified member.]

Hello,
I had applied for a secured card from sbi(simplyclick) yesterday as they were not approving my unsecured card.
Now I'm thinking what if i dont accept the card neither activate it and move my salary account to sbi, then technically after 6 months i should be able to apply again as unsecured itself. Yes it may not be approved then also,still better than rejecting cause already own a card with them.

Whatever cibil enquiry has been done is done.

My credit line is arround 15 lakhs and 1.5 lakhs around salary in hand. Cibil 780.
Everytime sbi rejects it saying over leveraged. I had previously applied in march,july and October in 2024 via bank employees.

Suggestions please?i hope i was able to provide most relevant informations.

If you don't activate, card get closed and in cibil also same will be updated...
As you already applied for secured card, no harm in keeping it. But better to close as you are interested in unsecured card, closing secured is better option.

Moving your salary account definitely increases the chances for getting the card. Again no trust on SBI cards, but you can question them and consider the application basis the salary slips. And they might reconsider the same. Apply via BM Recommendation next time with SBI salary account.

 

[shariqAzim]

If you don't activate, card get closed and in cibil also same will be updated...
As you already applied for secured card, no harm in keeping it. But better to close as you are interested in unsecured card, closing secured is better option.

Moving your salary account definitely increases the chances for getting the card. Again no trust on SBI cards, but you can question them and consider the application basis the salary slips. And they might reconsider the same. Apply via BM Recommendation next time with SBI salary account.

Thank you very much for your kind detailed response. Very rarely i see people responding in complete sentence and all the points