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SBI Cashback card - Unusual question in verification call

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Sobirvs

Sobirvs

TF Ace
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.
 
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Sobirvs said:
I have seen many customers with multiple cards. Heck my brother had 2 cards too, but he closed 1 card 2 yrs back. So yea, sbi does give multiple cards.
Click to expand...
I'm telling recent situation, not 1 year back. These days its not easy to get 2nd card from sbi.
They introduced overleverege policy
 
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Sahil_07 said:
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
Click to expand...
Update: The card is approved.
But I have sent the voice recording to nodal officer and complaint in RBI Ombudsman also.
I think it's their marketing gimmick to pressurize customers to take higher variant card. Strict action should be taken.
Let's see what happens
 
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Sahil_07 said:
Update: The card is approved.
But I have sent the voice recording to nodal officer and complaint in RBI Ombudsman also.
I think it's their marketing gimmick to pressurize customers to take higher variant card. Strict action should be taken.
Let's see what happens
Click to expand...
Yes, they get more commission for SBI pulse. You did right thing :hehe:
 
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iamdhamo said:
Lucky u r
Click to expand...
There is no lucky etc. it's just applying in right time and using right monetization link and apply carefully as per cibil records stored. Letter by letter and word by word and then see the magic its approved automatically with preset limit as per sbi in sms and vkyc to be said exactly same as per pdf file which you filled the form (form given to your mail before vkyc)

Only condition be salaried give realistic value 50k above below 1l with said role
 
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bing1309 said:
There is no lucky etc. it's just applying in right time and using right monetization link and apply carefully as per cibil records stored. Letter by letter and word by word and then see the magic its approved automatically with preset limit as per sbi in sms and vkyc to be said exactly same as per pdf file which you filled the form (form given to your mail before vkyc)

Only condition be salaried give realistic value 50k above below 1l with said role
Click to expand...
I had got the card now after applying second time by decreasing the limits in card that I don't use much cos of over leverage

First I applied visa n got rejected n second time I applied mc version n approved
 
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