Need credit card application advice

[Manikanta Svm]

Hello guys,
Need small suggestion my story as follows

Yesterday I have applied for cashback credit card application number was generated, today customer care guy called me and asked me to upload documents I did(initially my netbanking was failing but second time it went success this is important) and the same guy sent an KYC email as well. I was there at outside so I didn't complete it immediately the same guy called me again and told me that KYC link won't go fine it will show as error due to some config error and requested me to confirm whether its okay with new application from his side.

Initially I said not OK but with his statements thought to go for second time I confirmed he created new application. Now I tried to check if old KYC works fine or not when I checked everything went fine and completed first time KYC. Now again this guy called me and said they will be removing old Application number due to error and again tried to fillup details for new application same documents upload and second time KYC done as well.

Now for verification call they were confirming all details they said SimplyClick card and I denied that I need only cashback card they said will confirm with team and call again. Received second call for verification stating that Cashback cannot be raised from their side need to do from my side.

Now the Question is I have already wasted my time and CIBIL hits 2 times for this so I have raised an greviance with customer care ,nodal head and customer care head. Receiving many calls from customer care that the guy who did all these is a new guy doesn't know much about the process and asking me to raise a new fresh application.
One girl called me too I am not sure she seems to be crying and telling me he will loose his job if this goes further and asking me to do fresh from my side

I feel somewhat bad and I am not sure what to do, if I do fresh again CIBIL will hit again already my profile is little bit Off due to CIBIL hits my CIBIL history is 4.9 years old with 770
First update: I have crosschecked the processed guy LinkedIn profile he seems sales manager; they are just making a lady speak with customer so that issue can be silently solved.
I informed to the lady I need solution, and I won't be doing any fresh, they are calling continuously and I sent an email to nodal heads and customers head stating this harassment and I will be escalating this to RBI if this continue further
Second Update:
they have sent an email now that first application is denied due to bank's internal policies, the problem is they deleted the application yesterday itself and raised new application now they are stating like this

 

[vega]

Be persistent. You have the edge. Escalate it further. Don't budge. Even if you don't get cashback card, just teach the fraud guy a lesson.

Misselling has become a plague.

 

[Kumar93196]

Just do what you want to do.

If same happened to me i simply asked the girl for compensation and after getting it block them coz they just play with emotions they don't mean it in reality so don't get fooled by it.

 

[Manikanta Svm]

New update: I have crosschecked the processed guy LinkedIn profile he seems sales manager; they are just making a lady speak with customer so that issue can be silently solved.
I informed to the lady I need solution, and I won't be doing any fresh, they are calling continuously and I sent an email to nodal heads and customers head stating this harassment and I will be escalating this to RBI if this continue further

let's see what's their follow up is

 

[dexter_greycells]

Curious - Where did you apply from? By clicking on the 'Apply Now' button here? >>> https://www.sbicard.com/en/personal/credit-cards/rewards/cashback-sbi-card.page

I have read similar cases before. The original application is alright but then some agent calls and lies about something wrong with the application. Then (s)he gets you to apply through the link they send you so that they get their 'cut'. Also, they lie about the card variant and/or its LTF status/fee reversals. They will even give you an employee number to tell you they are the bank's employee, as if you have a way to cross-check.

 

[fradela]

Hello guys,
Need small suggestion my story as follows

Yesterday I have applied for cashback credit card application number was generated, today customer care guy called me and asked me to upload documents I did(initially my netbanking was failing but second time it went success this is important) and the same guy sent an KYC email as well. I was there at outside so I didn't complete it immediately the same guy called me again and told me that KYC link won't go fine it will show as error due to some config error and requested me to confirm whether its okay with new application from his side.

Initially I said not OK but with his statements thought to go for second time I confirmed he created new application. Now I tried to check if old KYC works fine or not when I checked everything went fine and completed first time KYC. Now again this guy called me and said they will be removing old Application number due to error and again tried to fillup details for new application same documents upload and second time KYC done as well.

Now for verification call they were confirming all details they said SimplyClick card and I denied that I need only cashback card they said will confirm with team and call again. Received second call for verification stating that Cashback cannot be raised from their side need to do from my side.

Now the Question is I have already wasted my time and CIBIL hits 2 times for this so I have raised an greviance with customer care ,nodal head and customer care head. Receiving many calls from customer care that the guy who did all these is a new guy doesn't know much about the process and asking me to raise a new fresh application.
One girl called me too I am not sure she seems to be crying and telling me he will loose his job if this goes further and asking me to do fresh from my side

I feel somewhat bad and I am not sure what to do, if I do fresh again CIBIL will hit again already my profile is little bit Off due to CIBIL hits my CIBIL history is 4.9 years old with 770

Why you want SBI Cashback which has fees around 1200.

Instead, go with HDFC Swiggy Cashback card. 5% online, 10% Swiggy and 1% for offline.
This is Life Time Free card.

 

[Kumar93196]

Why you want SBI Cashback which has fees around 1200.

Instead, go with HDFC Swiggy Cashback card. 5% online, 10% Swiggy and 1% for offline.
This is Life Time Free card.

Swiggy cc isn't worth that much.

 

[Manikanta Svm]

Curious - Where did you apply from? By clicking on the 'Apply Now' button here? >>> https://www.sbicard.com/en/personal/credit-cards/rewards/cashback-sbi-card.page

I have read similar cases before. The original application is alright but then some agent calls and lies about something wrong with the application. Then (s)he gets you to apply through the link they send you so that they get their 'cut'. Also, they lie about the card variant and/or its LTF status/fee reversals. They will even give you an employee number to tell you they are the bank's employee, as if you have a way to cross-check.

yeah applied from the same , looks this seems to be recurring issue
I mentioned in the mail either fix it by themselves or wait till I escalate it to RBI

 

[Manikanta Svm]

Why you want SBI Cashback which has fees around 1200.

Instead, go with HDFC Swiggy Cashback card. 5% online, 10% Swiggy and 1% for offline.
This is Life Time Free card.

If I remember correctly Swiggy card max limit discount is less than Cashback card max discount limit so I opted for this

 

[fradela]

If I remember correctly Swiggy card max limit discount is less than Cashback card max discount limit so I opted for this

You can spend 30,000. Max you will get 1500.

That is enough for most of the people.

Only very few people spend 1 lakh in a month.

Anyway, it is LTF card. You can take it.

 

[sousnake]

Why you want SBI Cashback which has fees around 1200.

Instead, go with HDFC Swiggy Cashback card. 5% online, 10% Swiggy and 1% for offline.
This is Life Time Free card.

SBI CB gives 5% on all online txn.
Swiggy gives 5% only on few categories
It's a huge difference + capping is also more in SBI CB.

 

[fradela]

SBI CB gives 5% on all online txn.
Swiggy gives 5% only on few categories
It's a huge difference + capping is also more in SBI CB.

Can you please share which categories are not applicable on Swiggy where SBI CB is applicable.

 

[Manikanta Svm]

now they have sent an email that first application is denied due to bank's internal policies, the problem is they deleted the application yesterday itself and now they are acting like this
this is clearly misselling nodal heads and customer heads seems to be playing this ,my every email has these guys attached

@TechnoFino @SSV anything we can flip here, I just want some days to be passed so I can escalate this to RBI

 

[Manikanta Svm]

even now I cannot check my first application status it still showing Invalid

 

[Manikanta Svm]

If my first application is denied they would have known before itself yesterday why they have tried for second application with another card