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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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Shubham330 said:
Better to ask sbi directly. Use twitter(X.com) their social media team answers each and every question with thorough investigation.

They can clear your answer on your 3 application reason as well as your brother's verification incident. Why he was asked about you in his application
Click to expand...

He wasn't asked about me. I am not ajay sehgal. I have no idea who ajay sehgal is, neither my brother knows who ajay sehgal is. This name is nowhere in our relatives or closed one's or even in the sbi branch my brother has current account at. He literally has no clue why this name came up.
 
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Sobirvs said:
He wasn't asked about me. I am not ajay sehgal. I have no idea who ajay sehgal is, neither my brother knows who ajay sehgal is. This name is nowhere in our relatives or closed one's or even in the sbi branch my brother has current account at. He literally has no clue why this name came up.
Click to expand...
Might be the one who logged his application.
CC confirming whether application logged through friend of sbi agent or not.
 
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koi aur reason hai decline ka, i am sure ajay sehgal toh nahi hoga :hehe:

i applied sbi cashback in the month of march, got 2 verifications all were simple basic verifications(i have been using sbi cards since 2016, may be that was the reason why i got approval in single application.)

but kuto ne 20k limit dedi thi 😀, sbi prime se 1L transfer karvayi thi fir
 
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nh124001 said:
koi aur reason hai decline ka, i am sure ajay sehgal toh nahi hoga :hehe:

i applied sbi cashback in the month of march, got 2 verifications all were simple basic verifications(i have been using sbi cards since 2016, may be that was the reason why i got approval in single application.)

but kuto ne 20k limit dedi thi 😀, sbi prime se 1L transfer karvayi thi fir
Click to expand...

I am using sbi card from like 7yrs+ still got declined for cashback lol.
 
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Shubham330 said:
Reason will be diffrent. Not ajay sehgal.

Might be Asking about ajay sehgal was part of verification.
Click to expand...

hmm, my brother isn't someone who applies for or has so many cards. He has very very few cards. may be max 4-5 or even less.

He is also credit card game dumb, he spends on only one who hugely i.e hdfc regalia card (in the range of 7-25L annually) and even got a call from hdfc for preapproved infinia upgrade but he declined it coz 12.5k fee he thought was too high and his spending rarely is on flights.

so not sure who sbi will decline him. He forgot to pay his sbi bill 3-4 yrs back , he thought he has auto debit but he didn;t, and sbi closed his that card which was simply click. He got call from sbi like after 8 months that he hasn't paid his bill and sbi even put a default in his cibil for 1 payment, payment was mare 4.5k, he paid within few mins once he got to know abt this. Very strange now on sbi portal his closed card show he has refund excess of 4.5k same amt lol.

Anyways, i wish we get to know the reason for decline.
 
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I applied 3 months back, mine in spirt was stuck at kyc and then sbi called me manually I said kyc has error digi locker error so then they manually processed online by filling application and then followed by digitally sigin etc all this given details was shared to me via pdf file in email then vkyc for pan and signature. Once vkyc done they called me via phone and said now verification call will come answer it and cut the call and call came I answered by opening the pdf file and they asked details I said ditto as per filled pdf word by word and letter by letter etc and then that's it they said office verification will be done, the physical verification guy asked me where is your office I said it's here and there and he asked road how to go from where he was. i said go like this and he says ok and cuts the call (in whole process no salary pay slip asked no documents asked nothig) and that's it next day 7am card approved 😀. With average limit sms which i got yesterday at approx limit you will get (i mean sbi card was super smooth for cashback without hazel, customer care was sweet and helped me till last, was actually impressed they way they handled)
 
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Most of the time the people who call spill their name so fast that we can't hear. My question to whoever calls is please repeat your name as I couldn't hear it clearly. If yet they say in a tone that I don't get, I ask them to please spell it. 🙂

Currently the rejection maybe the case of verification call received first and the person who called was Ajay Seagull.

Take a Rs.10 note and write Ajay Sehgal Bewafa Hai on it. :face-with-tears-of-joy:
 
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Sobirvs said:
I checked the e-sign document and it doesn't have any name like ajay sehgal or any sbi employee name...
Click to expand...
See Season 16 GIF by The Simpsons

need some detective to find it
 
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