SBI Card PhonePe SBI Card – CVP new SBI CC launching

[whiteBenzene]

Okay I've to clear this now. People are getting confused.
Let's say I've a bill of 30k. I paid 15k from the provider website.
Not the remaining 15k I used to pay with Apay.
And YES it allows the payment. This is not splitting the bill per say. ( well, technically it is but its not prohibited.)
I paid some bill directly to the provider. They then adjust my outstanding bill. Now Apay or Payzapp or Gpay they fetch the outstanding bill. Now, this is not the case with PhonePe. It's still fetching the original amount and not the outstanding amount. This could be the problem with PhonePe or they might just be a bit slow in updating. Let's see if it gets fetched till tomorrow.

 

[whiteBenzene]

Yes it should fetch outstanding value of bill
My case it was 21289/- I paid full even though I paid separately already 1289/- extra
Need to wait and see next bill whether 1289 gets adjusted

Maybe the problem lies with Phonepe as other apps do fetch the outstanding bill.

 

[everything]

@Sree CC @HumorSimpson today i received my card.But the weird thing is i received 2 sbi phonepe cards there is no add on card applied by me...

 

[whiteBenzene]

@Sree CC @HumorSimpson today i received my card.But the weird thing is i received 2 sbi phonepe cards there is no add on card applied by me...

Did they ask for a nominee? 😆

 

[everything]

Did they ask for a nominee? 😆

No i have no nominee...

 

[Prem03]

@Sree CC @HumorSimpson today i received my card.But the weird thing is i received 2 sbi phonepe cards there is no add on card applied by me...

Same name and same number?

 

[whiteBenzene]

No i have no nominee...

Did they ask for any of your relative details?
Also check in the form that you e-sign. You'll find the details there. i.e The add on details.

 

[Dr.AMAN]

@Sree CC @HumorSimpson today i received my card.But the weird thing is i received 2 sbi phonepe cards there is no add on card applied by me...

SBI agents very sneakily give add on cards sometimes. They get incentives for every addon card sold. They were forcing me also to get an addon card when I applied for TNI card. This looks like an addon card

 

[Dr.AMAN]

There have been rare instances where due to technical error people have got 2 of the same cards approved by mistake. It will have ur name in both cards but different card numbers. In ur case if the name is same then u have hit that rare jackpot. Or else it is just addon card.:-

 

[sumit_yadav]

It is not official info. I have figured out based on many reviews I read on TF and reddit and personal experience. SBI will never officially reveal the info. This is what I have seen:-
<1.5X--> No issue at all, u just need a good cibil h/o and salaried details/ITR slips, most likely no proof asked(espcially if ur employer is in their list)
1.5-2X--> Usually no issue but they may demand additional documents if ur employer is not in their list or if u r self employed
>2X--> very high risk of rejection d/t overleverage even if u show ITR/salary slips

Again there may be exceptions to these but 90% cases I have seen fall into either of these 3 categories. I have seen people who brought their limit to <2X and were then approved the card
(PS: SBI considers ur existing loans also in the cummulative limit. One of our TF members had 40L annual salary and overall credit card limit <40L but he was still rejected by sbi fpr overleveraged issue because of a home loan of 1Cr thereby making his cummulative credit limit>2X inspite of 40L annual salary)

My total limit is not 1x my Annual still getting over leveraged. Hopefully they will see that and approve. I have started decreasing credit limit of some other cards that i don't use "just in case" SBI see my docuuments right before lunch time

 

[Sree CC]

@Sree CC @HumorSimpson today i received my card.But the weird thing is i received 2 sbi phonepe cards there is no add on card applied by me...

 

[Pho3nix]

Just in case, I have begun lowering the credit limit on a few other cards that I don't use. SBI checks my documents just before lunch.

Lowering by closing the cards?

 

[sumit_yadav]

Lowering by closing the cards?

Reducing the credit limit. For eg i have 10L on OneCard which is never used. Also have Kotak UPI card with 5L which i am going to close in favour of TNI.