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).

 

[Boy 07]

@Boy 07 100% false on the face of it!
She needs to learn the ABC of products!
A secured CC will seize to continue if you want to close the underlying FD..... In some cases, they can issue a normal CC when you have used the secured FD for sometime (2-3 years), but no bank will instantly close the FD.

thanks i will contact her regarding this

 

[Boy 07]

I think they will still deny the application as they will ultimately enter the details manually from paper application into their system.
Even untill few months ago, SBI Agents would copy the data from Sprint and fill a manual application form at the backend (Gurgaon), and then send for processing (it is because of this reason, that we used to get 2-3 calls asking for each and every thing including spellings on the pretext of verification).


A better experiment would be to get your annual income updated in CIBIL through your other existing cards (not suggested if your actual income is correctly appearing in CIBIL - please do not use false/forged income documents); and then apply after cool off period 🙂

In cibil, my income was updated as 1/5 of its actual value and SBI Cards got declined 3 times.... It got corrected recently through another bank application (most likely Amex or HSBC), but I no more require SBI Vistara card - so not checking now if it actually works or not

I have checked in my Cibil report there is no mentioned about income .only address name mobile no and pan number.How to request my existing bank to update income?
Other things I visited my sbi Home branch where I have hold my saving account since 2010.There is a lady who told me that please make a fd of rs 50 k i will issue a card against it when card recieved you can closed fd and card will remain active,but in my view it's was a joke 🤣 and I could not laugh on it .She promised me if you make fd 50 k and above 50 so it's will closed easily and card would remain active.please advice me it's will work or not ??

 

[R@J]

it will not work....99.9%.
I've given 0.1% provision for the fact that maybe they can process an unsecured card offline, along with showing 50K FD as NRV 🤓