PNB Credit card approved WITHOUT ITR or Form 16- by escalation to RBI

[AsB]

PNB Application process for me goes like this :-

6 March 2023 - Applied for PNB card using 3 months payslip and 6 months bank statement, even though I didnt have ITR or Form 16.

7 March 2023 - Tried to complete VKYC, but no agent was connecting till 4.40 PM. Exactly at 4.45 PM, one agent got connected, and my VKYC was succesful.

9 March 2023 - VKYC approved. Yet in PNB Genie app, it showed that VKYC is "Not Applicable". Don't know why.

13 March 2023 - Got message that application is lying discrepant. Called customer care, and asked them what to do. Customer care told me to send latest 1 year ITR or Form 16.
I didnt have ITR or Form 16. Requested Form16 from my company , but they said that it wont be available for me till June 2023 (i.e. after finishing one year). So, I sent my payslips, bank statement, company id to PNB (pnbcreditcard2@pnb.co.in) and requested to process the application without ITR.

15 March 2023 - Kept getting mails that ITR is compulsory. Requested again to process application without ITR.

17 March 2023 - PNB was unwilling to process my application, and gave me some stupid excuse about some circular due to which ITR is compulsory.
So, filed an RBI complaint against PNB with the following message.

I was trying to apply for a Credit card from PNB. Application No ********. As per bank official website as proof of income I was to submit either one of salary slip of 3 months and 6 months of bank statement or ITR of 1 year. Either ITR or Pay slip and Bank statement is what is mentioned in the website. I had applied for the card using 3 months payslip and 6 months bank salary account statement.

Once my VKYC was submitted, the bank sent me a notice saying that I needed to provide ITR or Form 16.

Now, I have not completed 1 year in my company, and I will be filing my ITR from June 2023 when new ITR application will start. Also since one financial year is not completed from my joining in my present company, the company that I work in will not be able to provide Form 16. However the PNB bank is adamant that I submit Form 16 or ITR even when it is NOT mentioned in the website.

Irrespective of many complaints PNB keeps insisting that as per their circular they require ITR. However, the same was not informed while filing for a new Credit Card application.

Please note that if at any point of filling the application, it were mentioned that ITR or Form 16 was compulsory I would NOT have proceeded with the application and would have applied at a later date.

Therefore it is my humble request that please ask PNB to process my application with Payslip and Bank statement as mentioned in their official website or remove the CIBIL enquiry from my CIBIL report.

Also, sent them the documents :-

• Screenshot of the pnbcard.in website (attached in this thread)
• Document available in pnbcard.in website - which mentions the required documents for Credit card application (also attached in this thread)
• Entire conversation with PNB via email (not attached in this thread, as it had personal info)

18 March 2023 - Got an email from PNB Head Office to submit company offer letter, 2 months payslip and bank statement, and they would process the application. Sent them all the documents immediately.

20 March 2023 - Card got approved. Got limit of Rs 55k against shown limit of 63k (at the time of application).

Once I file ITR this year, I will ask for card upgrade to RuPay Select.

 

[Card Guy]

Reply then with bank statement, and tell them that you dont file ITR. They will not ask for ITR, only if your salary is less than 6 lakh

Its been 3 months since i joined the job so is it mandatory that the bank statement should have 6 months salary credited to get the card approval?

 

[AsB]

Its been 3 months since i joined the job so is it mandatory that the bank statement should have 6 months salary credited to get the card approval?

Mostly yes. They demand 6 months

 

[Boy 07]

card approved today after complaining last Wednesday.

What should I do I have given him last three month salary slip with six months statement but they are asking me ITR /Form 16 I don't have both my annual income only 3.72 L please help any body what should I write them

 

[girish3456]

What should I do I have given him last three month salary slip with six months statement but they are asking me ITR /Form 16 I don't have both my annual income only 3.72 L please help any body what should I write them

Write a email to creditcardho@pnb.co.in and tell them your case by sharing your offer letter and company Id card. Mostly they may agree but depends on case to case basis.

Just give a try as these are PSU banks, you might have know how they work and their process is

 

[Boy 07]

Write a email to creditcardho@pnb.co.in and tell them your case by sharing your offer letter and company Id card. Mostly they may agree but depends on case to case basis.

Just give a try as these are PSU banks, you might have know how they work and their process is

I am a teacher in private college I don't have offer letter but I have salary slip with bank statement and Id card issued by college will they work for me

 

[girish3456]

I am a teacher in private college I don't have offer letter but I have salary slip with bank statement and Id card issued by college will they work for me

Oh, in that case I think you may need to wait till you get your 6th month payslip

 

[Boy 07]

Oh, in that case I think you may need to wait till you get your 6 month payslip

I have been teaching in that college since 2012 since then I have been recieving salary in my account I have given six month statement with three month salary slip I have id card too but don't have offer letter I did not get any offer letter in 2012
In that case what should I do ????

 

[girish3456]

I have been teaching in that college since 2012 since then I have been recieving salary in my account I have given six month statement with three month salary slip I have id card too but don't have offer letter I did not get any offer letter in 2012
In that case what should I do ????

Ok in that case you need ask in the branch and take help from any credit card agent

 

[girish3456]

I have been teaching in that college since 2012 since then I have been recieving salary in my account I have given six month statement with three month salary slip I have id card too but don't have offer letter I did not get any offer letter in 2012
In that case what should I do ????

I shared DM'ed you PNB credit card person's contact number. Call and check with him if he can do any help in your matter

 

[Boy 07]

Reply then with bank statement, and tell them that you dont file ITR. They will not ask for ITR, only if your salary is less than 6 lakh

My salary only 3.72L per year i dont file itr yet i have submited last three month salary slips and last six months bank statement but they asking me itr or form 16 there is no tds deduction on my salary so i dont have form 16 i have applied for rupay platinum what should i do ?