SBI Card SBI Cashback card - Unusual question in verification call

[Tazact]

The applicants mobile perhaps was assigned to Ajay Seagull 🐦 previously . They also check the real owner of mobile number .

 

[2025]

As u already have SBI card... Hence I suggest u apply through net banking login lead or Sprint during odd hours. It might get auto approved.
SBI cashback as my 1st SBI card got approved automatically in March 2023 by penny drop (sbi account) without any verification.

 

[Ram1]

I feel that ajay sehgal might be defaulter in your area. May be they felt that defaulter is close to ur brother.
Some banks won't give cards to persons in areas which has more defaulters.

This is just my theory through.

 

[bharathnalla]

Hello, I have applied cashback card 3 times and every time sbi declines coz of infamous "internal policy" so I got my brother to apply.

My brother is quite dumb, but a businessman who usually remains very very busy. He even got infinia upgrade but denied coz of fee lol. So you understand how he is.

Now I made him apply for cashback card which I will use and pay fees for and he did. SBI didn't decline him right away like they did with me. They asked him kyc via digilocker and then aggregator login for salary credit and then vkyc, e-sign everything he did. Now finally he receives a verification call, this is where confusion happens. The customer care guy asked him mothers name, current address, business or job and then business name and address, phone number is his only, and if he uses sbi card already which he does with very low limit of 40k (Sbi prime Less limit coz he doesn't use sbi card at all may be once a month or twice a year)

Then all of a sudden the guy asked my brother do you know anyone with the name Ajay Sehgal. My brother got confused and said I don't know. The guy said you don't know Ajay Sehgal, he said no. Then the guy said thankyou for your time and call ended.

10 days later the card got declined. No reason provided. Anybody gone through this strange thing? I have 20 cc's with me and I have talked to many bank cc's in verification call and this has never happened with me.

A guy asked the same question to me in my verification call. Took some random name and asked if I knew him. I said no.

My card is approved though

 

[Anindya98]

I checked the e-sign document and it doesn't have any name like ajay sehgal or any sbi employee name...

Why did everyone come to the same conclusion this is the reason.
Just send them an email/Twitter DM for the exact reason.

need some detective to find it

SBI will reply with the same old answer "Over Leverage", There is no need for a detective to decode that. @Sobirvs your brother is a businessman I think he has more credit exposure as he got an invitation for Infinia. Just apply the card for your wife if she has a cibil history of more than 6-8 months. The card will be approved try during February's end. Keep in mind she must not have a lot of credit cards in her name (Primary Card) and no add-ons are considered.

 

[Sahil_07]

I am facing an wired issue too in SBI.
I had applied Sbi Simplisave Rupay card on 19th December.After 1-2 days all verification calls has been completed.
But after that they keep calling me and asking me to take Sbi Pulse credit card.
One of the executive even told me that based on my profile I am not eligible for simplisave but eligible for sbi Pulse.
Lol,I have taken call recording.
After mailing to principal nodal officer,I have complained in RBI Ombudsman.
Let's see.
Meanwhile my application is in still verification stage.I think they have put it on hold for forcing me to take Sbi Pulse card

 

[Sobirvs]

I feel that ajay sehgal might be defaulter in your area. May be they felt that defaulter is close to ur brother.
Some banks won't give cards to persons in areas which has more defaulters.

This is just my theory through.

Hmm, nearby shops/homes we know most of them, no person with last name sehgal. But ya area is quite big but very strange sbi thinks we will know that person

 

[Ram1]

Hmm, nearby shops/homes we know most of them, no person with last name sehgal. But ya area is quite big but very strange sbi thinks we will know that person

Also it can't be alone reason.
Other reasons might be
1. Overleverege
2. Having very less limit with present card for split limit with CB card

 

[Sobirvs]

I am facing an wired issue too in SBI.
I had applied Sbi Simplisave Rupay card on 19th December.After 1-2 days all verification calls has been completed.
But after that they keep calling me and asking me to take Sbi Pulse credit card.
One of the executive even told me that based on my profile I am not eligible for simplisave but eligible for sbi Pulse.
Lol,I have taken call recording.
After mailing to principal nodal officer,I have complained in RBI Ombudsman.
Let's see.
Meanwhile my application is in still verification stage.I think they have put it on hold for forcing me to take Sbi Pulse card

This is very strange, when sbi declined me and my brother, both times they called us back saying take a different card as you aren't eligible for cashback card. How can one person be eligible for other card but not cashback as income criteria we fulfill already. I have seen people getting approved almost all the times for other cards but it's a huge pain for cashback card ugh

 

[Sobirvs]

Also it can't be alone reason.
Other reasons might be
1. Overleverege
2. Having very less limit with present card for split limit with CB card

I have myself got like 4L limit. They denied me. Okay I am probably overleveraged with 20 cc's in my name.

My brother however isn't overleveraged. He has hardly got 3-4 cards or less. However his existing sbicard limit is 40k only (probably coz he doesn't use his sbicard).

 

[Ram1]

I have myself got like 4L limit. They denied me. Okay I am probably overleveraged with 20 cc's in my name.

My brother however isn't overleveraged. He has hardly got 3-4 cards or less. However his existing sbicard limit is 40k only (probably coz he doesn't use his sbicard).

Yeah that 40k is too less to split limit.
20 20 doesn't make sense. They can't give 20k on prime card. After verification calls, split limit is the next stage.

 

[Sahil_07]

This is very strange, when sbi declined me and my brother, both times they called us back saying take a different card as you aren't eligible for cashback card. How can one person be eligible for other card but not cashback as income criteria we fulfill already. I have seen people getting approved almost all the times for other cards but it's a huge pain for cashback card ugh

Yeah thats why I have call recording. If they said me you are not eligible for premium cards but eligible for entry level cards, then I had nothing to do,but they are saying the opposite, clearly for higher commission. Time to give them Rbi Bamboo

 

[Sobirvs]

Yeah that 40k is too less to split limit.
20 20 doesn't make sense. They can't give 20k on prime card. After verification calls, split limit is the next stage.

SBI didn't even give me an option for split limit. ugh

 

[Ram1]

SBI didn't even give me an option for split limit. ugh

How can they give u? There should be minimum limit available for sbi prime to give u split limit option.
So it failed at split limit stage.

 

[Sobirvs]

How can they give u? There should be minimum limit available for sbi prime to give u split limit option.
So it failed at split limit stage.

I am talking abt myself not my brother. I have simplyclick and have 4L limit on it.

For my brother I can understand

 

[harsh_ujjwal]

SBI didn't even give me an option for split limit. ugh

SBI treats you over leveraged.. that's y... I have heard ppl having HDFC Infinia facing rejection fr SBI Cashback.
Each n every card is unique in its own way😊

 

[Ram1]

I am talking abt myself not my brother. I have simplyclick and have 4L limit on it.

For my brother I can understand

Hm I'm on the same boat. I have 3.6L on sbi simplyclick and denied cashback card 4 times.
Overleverege policy sucks

 

[Sobirvs]

Hm I'm on the same boat. I have 3.6L on sbi simplyclick and denied cashback card 4 times.
Overleverege policy sucks

I think may be SBI doesn't want customers who have both simplyclick and cashback card.

 

[Ram1]

I think may be SBI doesn't want customers who have both simplyclick and cashback card.

No, they don't want to give 2 3 cards to single customer

 

[drvenkat]

I have faced the same situation. I don't remember the name, but the agent asked i know someone and call got disconnected. Still waiting for approval or rejected