My BoB Application got rejected, what to do now?

[raghavx]

Hi, I applied for a BoB credit card. Now my application has been rejected because of internal policies after more than 1.5 months.

Bank of Baroda credit card is not approved as per our internal policies. Please note that the current decision is in no way reflective of your credit worthiness, and we will be happy to consider your application when you apply again with updated financial information at a later date.

What should I do now? When can I apply again? I won't be getting LTF now. Plus they should tell me what internal policy they are talking about.

 

[raghavx]

Do You Have Any Other CC More Than 6 Months Old?

Yes, Flipkart Axis, ICICI Platinum. Both of them since December 21.

 

[raghavx]

Did you email for reconsideration?

Yes I did

 

[BankExpertIndia]

Yes, Flipkart Axis, ICICI Platinum. Both of them since December 21.

So Do Ask Them For Reconsideration... You Can Mention Your Highest Limit In The Mail

 

[raghavx]

@anirbanm @Bob78900 @Batmanbaba @BankExpertIndia I mailed them twice.

This is what they replied back to me.

We regret to inform that after a careful review of your application, we are unable to issue a credit card at this time basis our internal risk criteria.



Please note that the current decision is in no way reflective of your credit worthiness, and we will be happy to process your application when you apply again with updated financial information at a later date.



We greatly appreciate your interest in our products and look forward having you as our customer in near future.

 

[raghavx]

As them to reconsider
Apply offline

Okay, @anirbanm. But should I tell them (the bank employees ) that my application got rejected earlier? Or will they know it already? As in the mail, they've asked me to wait for 6 months to apply again.

 

[Bob78900]

@anirbanm @Bob78900 @Batmanbaba @BankExpertIndia I mailed them twice.

This is what they replied back to me.

Did you tried mailing escalations@bobfinancial.com ? Send them your income documents again i did the same thing and they approved my application

 

[raghavx]

Did you tried mailing escalations@bobfinancial.com ? Send them your income documents again i did the same thing and they approved my application

@Bob78900 but I had attached the income documents already during the application?

 

[Bob78900]

@Bob78900 but I had attached the income documents already during the application?

Everyone attached while applying send your income documents again i sent bank statement and cc statement+ card photo and after a week they approved my application with same documents

 

[raghavx]

Everyone attached while applying send your income documents again i sent bank statement and cc statement+ card photo and after a week they approved my application with same documents

@Bob78900 is it safe to attach card photo? Or should I hide the card number? Also bank statement for how long?

 

[raghavx]

Safe
Atleast 3 months

Have blurred some numbers in between, btw thanks bro 🙏 @anirbanm @Bob78900

 

[Bob78900]

@Bob78900 is it safe to attach card photo? Or should I hide the card number? Also bank statement for how long?

Just hide your cvv

 

[Bob78900]

Have blurred some numbers in between, btw thanks bro 🙏 @anirbanm @Bob78900

I have not blurred anything except cvv. No problem bhai❤️ keep us updated 😊

 

[Batmanbaba]

@anirbanm @Bob78900 @Batmanbaba @BankExpertIndia I mailed them twice.

This is what they replied back to me.

Tgen you have joined a small list of unlucky ones... Whose application has been rejected.....

 

[Bob78900]

@anirbanm @Bob78900 @Batmanbaba @BankExpertIndia I mailed them twice.

This is what they replied back to me.

First i got this email after applying

After a careful review of your application, we regret to inform that we are unable to issue a credit card at this time basis our internal risk criteria.

Please note that the current decision is in no way reflective of your credit worthiness, and we will be happy to process your application when you apply again with updated financial information at a later date, as per our guidelines.

If you believe that we have missed something or misread your information or if you have any additional information like additional income, etc. that you wish to submit that might influence our decision, please feel free to mail us at acquisition@bobfinancial.com and we will be happy to consider the same

After that i mailed on the above mentioned mail but no response after some days i mailed them to escalations@bobfinancial.com with the same documents i used while applying online. I just forgot to add card photo in the online process and also i uploaded 2 months statement. But when i mailed them on this i used 3 months bank statement and also attached my cc statement and cc photo after a week they approved my application.

Dear Madam/Sir,



We wish to inform you that your credit card application has been approved and you may expect the card delivery within next 7 working days.



If you don’t receive the card within the above mentioned time period, then please write email at rcard@bobfinancial.com with subject line as “Credit Card not Received”.

 

[raghavx]

First i got this email after applying

After a careful review of your application, we regret to inform that we are unable to issue a credit card at this time basis our internal risk criteria.

Please note that the current decision is in no way reflective of your credit worthiness, and we will be happy to process your application when you apply again with updated financial information at a later date, as per our guidelines.

If you believe that we have missed something or misread your information or if you have any additional information like additional income, etc. that you wish to submit that might influence our decision, please feel free to mail us at acquisition@bobfinancial.com and we will be happy to consider the same

After that i mailed on the above mentioned mail but no response after some days i mailed them to escalations@bobfinancial.com with the same documents i used while applying online. I just forgot to add card photo in the online process and also i uploaded 2 months statement. But when i mailed them on this i used 3 months bank statement and also attached my cc statement and cc photo after a week they approved my application.

Dear Madam/Sir,



We wish to inform you that your credit card application has been approved and you may expect the card delivery within next 7 working days.



If you don’t receive the card within the above mentioned time period, then please write email at rcard@bobfinancial.com with subject line as “Credit Card not Received”.

Will keep bothering them, 2-3 more times 😆

 

[Bob78900]

Will keep bothering them, 2-3 more times 😆

Hahaa no problem 👍

 

[raghavx]

Tgen you have joined a small list of unlucky ones... Whose application has been rejected.....

@Batmanbaba , yeah I was hoping that I would get this under the LTF offer. Now I won't apply for this card as the LTF offer won't be there after 6 months.

 

[raghavx]

@Bob78900 how easy was it to get BoB select as LTF before LTF Offer? Or do they keep running LTF offer?

 

[Bob78900]

@Bob78900 how easy was it to get BoB select as LTF before LTF Offer? Or do they keep running LTF offer?

Sorry brother don't know about this😔. Btw you applied c2c or any other document and if c2c what is you card limit?

 

[Batmanbaba]

Considering

@Batmanbaba , yeah I was hoping that I would get this under the LTF offer. Now I won't apply for this card as the LTF offer won't be there after 6 months.

The present state of applications.... I think it will get extended to December.... And then upto march 2023..... This offer has pushed bob customer base above 10 lakhs now....