SBI Card (Simplyclick) Approved For Student

[asm07]

Hi,
A cousin of mine who is 23-24 currently and unemployed got sbi card even though he filled the details as a student.

He has a savings account in SBI so few days back noticed a "Pre-qualified" banner in net banking profile. Proceeded through it and put "Student" in occupation field. Few days later vkyc link received, completed and then e-sign after first verification call from local head office. Next day verification from Gurgaon and the day after card was approved with limit of 30k.

It's curious because members of this community have faced rejection from same pre-qualified offer banner despite being self employed and he got approval despite being a student. Regarding savings account, he maintain MAB of 4k-5k.

I think sbi was very generous here. He owns two cards from icici, apay and coral rupay since 1-2 years with 80k limit.

 

[Ram1]

Hi,
A cousin of mine who is 23-24 currently and unemployed got sbi card even though he filled the details as a student.

He has a savings account in SBI so few days back noticed a "Pre-qualified" banner in net banking profile. Proceeded through it and put "Student" in occupation field. Few days later vkyc link received, completed and then e-sign after first verification call from local head office. Next day verification from Gurgaon and the day after card was approved with limit of 30k.

It's curious because members of this community have faced rejection from same pre-qualified offer banner despite being self employed and he got approval despite being a student. Regarding savings account, he maintain MAB of 4k-5k.

I think sbi was very generous here. He owns two cards from icici, apay and coral rupay since 1-2 years with 80k limit.

Its not about employment, sbi these days considering existing cards in cibil. Since he has 2 3 cards, sbi has no problem in approving

 

[asm07]

Its not about employment, sbi these days considering existing cards in cibil. Since he has 2 3 cards, sbi has no problem in approving

Few months back he got a call from agent and applied that time for simplysave card. Put occupation as self-employed yet application was declined.

 

[Ram1]

Few months back he got a call from agent and applied that time for simplysave card. Put occupation as self-employed yet application was declined.

Has he asked reason of rejection? Might be some other factors like kyc/address

 

[asm07]

Has he asked reason of rejection? Might be some other factors like kyc/address

I remember it was due to some business verification. He put his family business name, they tried to verify physically and he denied.

Doesn't sbi deny card citing over leveraged reason to salaried people? So we were thinking it would most probably be denied for him, but they approved. Now we're happily surprised.

 

[Ram1]

I remember it was due to some business verification. He put his family business name, they tried to verify physically and he denied.

Doesn't sbi deny card citing over leveraged reason to salaried people? So we were thinking it would most probably be denied for him, but they approved. Now we're happily surprised.

Over leverage applies not only to salaried.
I don't think he has much cards to reject on overleverage. His profile is good ajd he applied online with vkyc. No need to verify physically. So approved in a day

 

[harsh_ujjwal]

Hi,
A cousin of mine who is 23-24 currently and unemployed got sbi card even though he filled the details as a student.

He has a savings account in SBI so few days back noticed a "Pre-qualified" banner in net banking profile. Proceeded through it and put "Student" in occupation field. Few days later vkyc link received, completed and then e-sign after first verification call from local head office. Next day verification from Gurgaon and the day after card was approved with limit of 30k.

It's curious because members of this community have faced rejection from same pre-qualified offer banner despite being self employed and he got approval despite being a student. Regarding savings account, he maintain MAB of 4k-5k.

I think sbi was very generous here. He owns two cards from icici, apay and coral rupay since 1-2 years with 80k limit.

Anything can happen wrt cc. Even higher income ppl face rejection. ppl with lower income no income can be approved. Basic rule is that one needs to have good credit score and good relation with banks.