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 .

 

[abhishek751]

Same case with me. Yesterday i applied for Rupay Select variant offline.

How was the process here the guy behaves like he doesn't even know what credit card is.

 

[nitinmits]

How was the process here the guy behaves like he doesn't even know what credit card is.

Process was smooth She is expert in CC

 

[gowthamv]

When will they charge the joining fees for Rupay Select CC? Received the first month statement but the joining fee is not yet billed.

 

[tanvi]

If net income is above 8L and itr is at 4.95 then what to do

 

[4uziaul]

If net income is above 8L and itr is at 4.95 then what to do

❓🤷🤔

 

[AritraSaha]

❓🤷🤔
View attachment 24547

He file itr for 5L, rest goes under the water.

 

[tanvi]

❓🤷🤔
View attachment 24547

After taking all deduction and excemption itr shows 4.9 L
Pnb cc is telling they need ITR >5 L🥲

 

[4uziaul]

After taking all deduction and excemption itr shows 4.9 L
Pnb cc is telling they need ITR >5 L🥲

Earn more and come back next year, PNB is not going to budge. You need to fulfill their criteria to apply for this card.

 

[gowthamv]

For people who are not getting their Select Card Approved. Could you try this and check it it works.

Apply for the Platinum CC.
After delivery of the card, wait for a week and select the Upgrade option in the PNB Genie App.
Apply for Select CC.

I could see people telling that their ITR was less and card getting rejected.

When I applied for the upgrade of the card, I submitted my ITR where it was less than 4L. (FY 2021-22). But Select got approved.

 

[MOhit __]

For people who are not getting their Select Card Approved. Could you try this and check it it works.

Apply for the Platinum CC.
After delivery of the card, wait for a week and select the Upgrade option in the PNB Genie App.
Apply for Select CC.

@tanvi

 

[gowthamv]

When will they charge the joining fees for Rupay Select CC? Received the first month statement but the joining fee is not yet billed.

Anyone know abt this?

 

[Shubham330]

Anyone have idea on cooling period of PNB?
My application got rejected post following all process. VKYC was successful, application descripent message recieved then uploaded ITR on Nidan Portal also sent mail to the pnb2 mail id.

After 6 days got this message:
Dear Customer, your PNB credit card application has been declined (Reason: (Reason:APPLICATION NOT AS PER BANK GUIDELINES)). For details call 18001802345 (toll free). -PNB


Any idea ? The number given in sms is useless.

 

[pprakash11]

Anyone have idea on cooling period of PNB?
My application got rejected post following all process. VKYC was successful, application descripent message recieved then uploaded ITR on Nidan Portal also sent mail to the pnb2 mail id.

After 6 days got this message:
Dear Customer, your PNB credit card application has been declined (Reason: (Reason:APPLICATION NOT AS PER BANK GUIDELINES)). For details call 18001802345 (toll free). -PNB


Any idea ? The number given in sms is useless.

Call them to know the exact reason of decline.

Most probably due to overleveraged policy.

 

[Shubham330]

Call them to know the exact reason of decline.

Most probably due to overleveraged policy.

Whats overledge policy? And if thats the reason what need to be done here? Wait for cooling period right?

 

[pprakash11]

Whats overledge policy? And if thats the reason what need to be done here? Wait for cooling period right?

First call them and ask the exact reason of card decline.
Then we 'll update

 

[Shubham330]

First call them and ask the exact reason of card decline.
Then we 'll update

You have any number to contact cause 1800 180 2345 not working for me. It's blank call always

 

[Shubham330]

Ok called on 01204616200. Its because of too many cibil enquiries. So i guess i need to apply after some months. So any idea on cooling period @pprakash11 ?

 

[pprakash11]

Ok called on 01204616200. Its because of too many cibil enquiries. So i guess i need to apply after some months. So any idea on cooling period @pprakash11 ?

Safe side: 06 months.

 

[Shubham330]

Safe side: 06 months.

Ok. Thanks

Will try after 6 months

 

[BVCBVC is verified member.]

Ok called on 01204616200. Its because of too many cibil enquiries. So i guess i need to apply after some months. So any idea on cooling period @pprakash11 ?

Did they tell any ideal CIBIL requirement for them??