SBI Card Over Leveraged? Here's the Solution - Experiment

[D₹V]

SBI cards offline application - applying by yourself & sending it to SBI cards office like HDFC Chennai method.


I recently emailed SBI card to issue me 2nd card & this was their reply:



We request you to visit our website www.sbicard.com. On the main page, please click on Cards for You and choose SBI Card of your choice, then click on Learn More. Post that click on Apply Now, it will take you to next page where you can provide the required personal information to apply for card.

(Or)

We would request you to download the application form from website www.sbicard.com and complete the form in all respects and send the original form at the below mentioned address.

SBI Cards and Payments Services Pvt. Ltd,

P.O Box No-16, G.P.O

New Delhi-110001

After completion of necessary formalities, if these adhere as per the policy, we would be able to send your card.

Meaning SBI card can be applied offline by filling form & sending it via post.

So I went to SBI site, scrolled down then click on form center & found this form (attached).

Whoever is unable to get SBI card, please try this method manually & update here.

I believe this can work because SBI will do all verification & stuff manually including CIBIL check. On the other hand, in online application, CIBIL thing is automated & rejects customer instantly citing internal policy (over leveraged).

What docs to send? I didn't see any mention of docs but you can attach income docs, address proof like aadhar or even C2C docs for better approval rate 😂 (I saw section of other card number option, so you can try).

P.s. I didn't read the whole form.

P.s. - This is an experimental post & doesn't guarantee 100% approval with trick.

If you copy this post, don't forget to give credit to OP (@D₹V).

 

[cr_1290]

Nearest branch me agent se iska details fetch karwaiye, usko status pata chal jaega.

Sbi card agent nhi h abhi pehle tha job chhod di usne

 

[D₹V]

Sbi card agent nhi h abhi pehle tha job chhod di usne

Kahi to hoga.

Verification call aya tha?

 

[cr_1290]

Kahi to hoga.

Verification call aya tha?

Yes only 1

 

[D₹V]

Yes only 1

1 aur aayega, bolega aapka verification/KYC pending hai.

Nearest branch ke agent id pe bhi transfer karke verification karwa sakta wo agar smart banda hoga to.

 

[popkorn]

as per my knowledge , SBI CARD is one person, one card policy . If you are seems to be worth from their view , the card will be automatically replaced .

 

[D₹V]

as per my knowledge , SBI CARD is one person, one card policy . If you are seems to be worth from their view , the card will be automatically replaced .

Many folks have 2 or more SBI cards

 

[bigbyte]

Many folks have 2 or more SBI cards

Is Anyone holding 3 or more SBI card?

 

[D₹V]

Is Anyone holding 3 or more SBI card?

Check thread, someone mentioned he has 3 SBI cards.

 

[SSV]

as per my knowledge , SBI CARD is one person, one card policy . If you are seems to be worth from their view , the card will be automatically replaced .

denfinitely not , there are many people who holds more than one card ,

 

[SSV]

Is Anyone holding 3 or more SBI card?

yes, I read in some places in other threads.. quite a few hold >=3 SBI cards ..

 

[imdjay]

Is Anyone holding 3 or more SBI card?

I have 3 cards.as per their policy, a customer can have 3 cards.

 

[BVCBVC is verified member.]

yes, I read in some places in other threads.. quite a few hold >=3 SBI cards ..

I hold 2 (SBI Prime + SBI CB)
My brother hold 3 (Elite + CB + IRCTC)

So more than 1 is a possible case.

 

[jack333]

How to get third card @imdjay @BVC . I've been declined more than once

 

[BVCBVC is verified member.]

How to get third card @imdjay @BVC . I've been declined more than once

My brother and his friend have done in the beginning of the credit card journey. before this over leverage option comes in.

They got their 3rd card approved with meagre 10k limit, so they transferred some limit later.

 

[imdjay]

How to get third card @imdjay @BVC . I've been declined more than once

They might not be declining because you are applying for 3rd card but maybe the reason is that you are over leverage.
My first card IRCTC Rupay , then applied SBI Cb. After a while got pre-approved offer in app for SBI simplyclick or BPCL. Got BPCL. At that point of time, Aurum RM was chasing me to apply for Aurum as 3rd card.

 

[BVCBVC is verified member.]

They might not be declining because you are applying for 3rd card but maybe the reason is that you are over leverage.
My first card IRCTC Rupay , then applied SBI Cb. After a while got pre-approved offer in app for SBI simplyclick or BPCL. Got BPCL. At that point of time, Aurum RM was chasing me to apply for Aurum as 3rd card.

Aurum will be sourced only to Metro cities?

 

[imdjay]

Aurum will be sourced only to Metro cities?

No. You can express interest on their website. Select any metro city.
They will call you. and at that time, tell them that you are right now temporarily living in that tier-2, tier-3 city.

 

[BVCBVC is verified member.]

No. You can express interest on their website. Select any metro city.
They will call you. and at that time, tell them that you are right now temporarily living in that tier-2, tier-3 city.

Done and they are telling only to Metro Cities. They are asking for residential proof for any Metro.

 

[imdjay]

Done and they are telling only to Metro Cities. They are asking for residential proof for any Metro.

When I had enquired, they were allowing me to have this card even here in a non-metro city. Maybe because of my employer.

 

[BVCBVC is verified member.]

When I had enquired, they were allowing me to have this card even here in a non-metro city. Maybe because of my employer.

Might be. They were asking me working location or current address in Metro City.