SBI CASHBACK CARD REJECTED

[bhavik886151]

Applied for the SBI cashback card on sprint at the end received application reject message

base on internal policy

i have reliance SBI card get 7 month back with 3 lakh limit

also just one inquiery in last 6 month

cibil 780
ITR 14 lakh

should i email to SBI for reconsideration with income documents

 

[panu24]

How many credit cards you have? Does all your credit cards total credit limit > 14 lakh?

 

[HumorSimpson]

Your CL must not be 1.5x of your income. Whats your CL ?

 

[CardMintz]

Applied for the SBI cashback card on sprint at the end received application reject message

base on internal policy

i have reliance SBI card get 7 month back with 3 lakh limit

also just one inquiery in last 6 month

cibil 780
ITR 14 lakh

should i email to SBI for reconsideration with income documents

Email Sbicard and request Sbi cb on a shared limit basis

 

[SSV]

Applied for the SBI cashback card on sprint at the end received application reject message

base on internal policy

i have reliance SBI card get 7 month back with 3 lakh limit

also just one inquiery in last 6 month

cibil 780
ITR 14 lakh

should i email to SBI for reconsideration with income documents

most likely you are over leveraged...

 

[bhavik886151]

Email Sbicard and request Sbi cb on a shared limit basis

which one is

Email Sbicard and request Sbi cb on a shared limit basis

which one to email is better nodaloffice or pno

 

[bhavik886151]

Your CL must not be 1.5x of your income. Whats your CL ?

all card combine limit around 18 lakh

 

[CardMintz]

which one is

which one to email is better nodaloffice or pno

Dm me ... 😀

 

[SSV]

all card combine limit around 18 lakh

Your yearly income?

 

[bhavik886151]

most likely you are over leveraged...

my utilization across all card around 10-12 % only

 

[bhavik886151]

Your yearly income?

itr 14 lakh

 

[SSV]

my utilization across all card around 10-12 % only

Not utilization...
Waht is the value of

(Total CL on all your cards + personal loans ) / yearly income ??

 

[bhavik886151]

Not utilization...
Waht is the value of

(Total CL on all your cards + personal loans ) / yearly income ??

total credit limit around 18 lakh no current loans income 14 lakh

 

[SSV]

itr 14 lakh

Then you are very close to over leverage as per SBI..
Of you want to get another sbi card ,
Try to do one or both of the below..
1) Reduce your total unsecured loans ie cl on ccs and personal loans if any
2)Increase your income

Then apply for SBI cb card

 

[bhavik886151]

Dm me ... 😀

sent

Dm me ... 😀

dm sent ...

 

[Pravin1156]

most likely you are over leveraged...

If I closed SBI Cashback Credit card and got NOC also. Can I Reactivate again by mail through SBI PNO. od it possible

 

[s1t2y3a3m6]

If I closed SBI Cashback Credit card and got NOC also. Can I Reactivate again by mail through SBI PNO. od it possible

Ltf trick ? No, not possible once NOC issued

 

[hellowo₹ld]

Applied for the SBI cashback card on sprint at the end received application reject message

base on internal policy

i have reliance SBI card get 7 month back with 3 lakh limit

also just one inquiery in last 6 month

cibil 780
ITR 14 lakh

should i email to SBI for reconsideration with income documents

there is 100% chance if u ok to split that 3L limit between sbi cashback and reliance sbi.

there is definitely high chances if u request for reconsideration based on cibil and relationship with that ITR.

 

[SSV]

If I closed SBI Cashback Credit card and got NOC also. Can I Reactivate again by mail through SBI PNO. od it possible

N o .

 

[bhavik886151]

there is 100% chance if u ok to split that 3L limit between sbi cashback and reliance sbi.

there is definitely high chances if u request for reconsideration based on cibil and relationship with that ITR.

yes email send waiting for the reply