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).

 

[Shin-Chan]

Does the CIBIL income value actually mean anything? According to CIBIL, my income is above 50 crores. I don't think any bank believes that. I have no idea how or why this insane figure got there. I wish it were true though. My actual income is much, much lesser than even 1/100 of that

You are Rich Copycat sir !! CIBIL Approves your ameeri

 

[Fini7777]

Does the CIBIL income value actually mean anything? According to CIBIL, my income is above 50 crores. I don't think any bank believes that. I have no idea how or why this insane figure got there. I wish it were true though. My actual income is much, much lesser than even 1/100 of that

Do u have any IDFC/Indusind cc ?
They made this mistake in several customers profile

 

[Copycat]

Do u have any IDFC/Indusind cc ?
They made this mistake in several customers profile

Yes, I have both

 

[Everybody]

Does the CIBIL income value actually mean anything? According to CIBIL, my income is above 50 crores. I don't think any bank believes that. I have no idea how or why this insane figure got there. I wish it were true though. My actual income is much, much lesser than even 1/100 of that

Credit goes to BOB Financial!

 

[Copycat]

Credit goes to BOB Financial!

I have that too. Looks like all 3 colluded so CIBIL actually accepted it

 

[D7162]

Yes, I have both

I also have both.. mera to aisa galti nhi kiya wo log 🤣 Btw you may not face issue of overleverage then n

 

[mayankcse10]

I also have both.. mera to aisa galti nhi kiya wo log 🤣 Btw you may not face issue of overleverage then n

CIBIL salary does not matter; for me, it was updated as 50CR but still got overleveraged as a rejection reason in February.

 

[NShah]

SBICard is very difficult to get third card, they love to onboard NTB and then issue second card here and there but getting third card they take it personally.

Applied on 22nd July
E-sign verification is pending
Let's see 🙈

 

[D₹V]

Applied on 22nd July
E-sign verification is pending
Let's see 🙈

Kiske liye?

🤭

 

[D₹V]

CIBIL salary does not matter; for me, it was updated as 50CR but still got overleveraged as a rejection reason in February.

Yep, as @SSV said, income in CIBIL updated doesn't matter.

SBI over leveraged is whole different calculation.

 

[NShah]

Kiske liye?

🤭

Sbi card pulse
Credit limit ke liye 😝
Approved hone ke baad limit transfer kar lenge

 

[D₹V]

Sbi card pulse
Credit limit ke liye 😝
Approved hone ke baad limit transfer kar lenge

Tumhare paas kitna card hai total

 

[NShah]

Tumhare paas kitna card hai total

Over leverage to nahi hu 😉

 

[sudoabhi]

Does the CIBIL income value actually mean anything? According to CIBIL, my income is above 50 crores. I don't think any bank believes that. I have no idea how or why this insane figure got there. I wish it were true though. My actual income is much, much lesser than even 1/100 of that

 

[Ak Singh]

Arre yeh batao offline apply hota hai ki nhi ?
Give Clear answer ..can we apply offline without income documents?

 

[D₹V]

Arre yeh batao offline apply hota hai ki nhi ?
Give Clear answer ..can we apply offline without income documents?

Agent se bhi apply karoge to income documents nahi lagta but cashback card apply nahi kar sakte.

Apparently, ye head office method online/agent se alag hai.

 

[SSV]

Arre yeh batao offline apply hota hai ki nhi ?
Give Clear answer ..can we apply offline without income documents?

My Strong suspicion, even if you apply thru offline, if you are overleveraged the application will be rejected.

 

[SSV]

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 strongly agree with this view.. even for offline applications also once they query with CIBIL and if it is overleveraged it will be rejected.

 

[D₹V]

My Strong suspicion, even if you apply thru offline, if you are overleveraged the application will be rejected.

Agent or sprint, both does same thing.

System rejects instantly at CIBIL thing alone.

While this postal method might work, I believe.

 

[SSV]

Agent or sprint, both does same thing.

System rejects instantly at CIBIL thing alone.

While this postal method might work, I believe.

Good.. have you tired it?