Rupay select credit card approval chances.

[abhishek751]

Hi
I am thinking of applying rupay select card as it is upi enabled and nearly LTF,
I saw video of online application as after filling details they give option to spply for som specific cards, i wanted to know if option for rupay select card is easily available or difficult to get,
Just got bob card in june start of 30k limit so bit hesitant as i don't want poor limit making the card useless for me.
CIBIL is maintained above 780 for last 3-4 months .

 

[panu24]

I got almost all the credit cards in selection list being a new to PNB bank customer. But remember when you submit application you will see provisional credit limit but you never get the same for your applied card. Finally PNB gives like 1/3 of the credit limit shown to you as provisional limit.

 

[abhishek751]

When does the cibil hit occurs, before selecting the card type or after?

 

[panu24]

Sorry i dont know about it. It did cibil hit for me.
@Rkr can help you here.

 

[pprakash11]

When does the cibil hit occurs, before selecting the card type or after?

Just after entering OTP. Before card selection only

 

[RkrRkr is verified member.]

When does the cibil hit occurs, before selecting the card type or after?

@paresh22 . After submitting the personal details they are doing CIBIL enquiry to show the applicant the Eligible Card and provisional limit.

 

[abhishek751]

I thought i would get this card next but now it seems it will not be a sure thing,
It might be waste of cibil query.

 

[RkrRkr is verified member.]

I thought i would get this card next but now it seems it will not be a sure thing,
It might be waste of cibil query.

If you have Good CIBIL and NIL late payment and also having ITRs then you will get this card very easily.

 

[abhishek751]

If you have Good CIBIL and NIL late payment and also having ITRs then you will get thia card very easily.

CIBIL is around 780+ and nil late payments,
Don't have ITR but salary slips is there.

 

[RkrRkr is verified member.]

CIBIL is around 780+ and nil late payments,
Don't have ITR but salary slips is there.

Go ahead with PNB. If you haven't got your choiced card by chance then PNB gave the option to Upgarde your card immediately after getting your E-card in app.Just go ahead and Plan a day also to throw party .

 

[NikTravelEnthusiast]

If you have Good CIBIL and NIL late payment and also having ITRs then you will get thia card very easily.

I satisfy all above criteria. I applied 1 month ago. Escaleted to customer care email. Still no reply and no sign of approval.
Its not very easy.

 

[RkrRkr is verified member.]

I satisfy all above criteria. I applied 1 month ago. Escaleted to customer care email. Still no reply and no sign of approval.
Its not very easy.

Have you comleted the VKYc?
And status of their VKYC approval message.

 

[panu24]

Moreover paying back to this card is not easy and quick.

 

[RkrRkr is verified member.]

Moreover paying back to this card is not easy and quick.

It will take up to 3-5 days and with time it will come close ....As they are growing and new in market..

 

[NikTravelEnthusiast]

Have you comleted the VKYc?
There VKYC approval message.

VKYC approval message also came. But no signs of card approval. Genie app also not showing any updates.

 

[RkrRkr is verified member.]

VKYC approval message also came. But no signs of card approval. Genie app also not showing any updates.

Any update means no data showing or stuck at processing stage

 

[NikTravelEnthusiast]

Any update means no data showing or stuck at processing stage

Genie app is only displaying about application submission date.

 

[RkrRkr is verified member.]

Genie app is only displaying about application submission date.

Ok.its there in processing stage.
Have you got ,your application is lying discrepant message ?

 

[NikTravelEnthusiast]

Ok.its there in processing stage.
Have you got ,your application is lying discrepant message ?

No

 

[TheMentalist]

Go ahead with PNB. If you haven't got your choiced card by chance then PNB gave the option to Upgarde your card immediately after getting your E-card in app.Just go ahead and Plan a day also to throw party .

So if Rupay Select doesn't show in the list of cards while applying online, then we should proceed the application with any other variant (like Rupay Platinum) and then get it upgraded to Rupay Select later on??