SBI CC Rejects all my Applications

[chnleo]

I hold Axis, hdfc, icici and idfc with limits ranging from 5.5 to 15L. No bank rejected my cc applications. My present cibil score is 783. Since more then a year, I have been trying Sbi cc from simply click to elite cards. All my applications are outrightly rejected! It is the only card missing from my stable.

First reason was that my work place was not locatable! Later the reason was that it seems I need to wait for a year to reapply! Is it true??

 

[✪ D&C Cards Connoisseur 💳]

Bro, the same thing happened to me. In 2022, I closed Flipkart Pay Later. After that, whenever I applied for a credit card, my application used to get rejected, stating “late payment in loan account.” I shared my CIBIL report multiple times, but they stayed silent.

Later, I filed a complaint with RBI Ombudsman (RBIO) with all the proof. A few days later, they asked me to reply within 3 days based on IDFC’s response. I submitted all the proofs, but RBIO didn’t listen to me and closed the complaint in favor of the bank. After that, I lost faith in RBIO.

Now, last month, I again applied for an IDFC card and it got rejected. But this time, after raising a complaint, the bank guided me and finally approved the card.

But I want to ask IDFC is not the bank responsible for my SBI card rejection, right? Because SBI had told me that some bank had done a negative flagging. However, this doesn’t show in my CIBIL report. Maybe banks can see some internal negative flagging that we, as customers, cannot see in our CIBIL report.

May be possible. Let's not assume, lather keep pressurizing SBI until you get the actual details. Try RBIO, expecting to get details atleast from SBI and may be resolution also.

 

[Boy 07]

May be possible. Let's not assume, lather keep pressurizing SBI until you get the actual details. Try RBIO, expecting to get details atleast from SBI and may be resolution also.

Another case I applied for Roar Bank credit card in May it was declined and reason not told and said try after three months .now three months have passed still no option to apply so I emailed them there response was unbelievable
Idfc has ruined

 

[Boy 07]

Another case I applied for Roar Bank credit card in May it was declined and reason not told and said try after three months .now three months have passed still no option to apply so I emailed them there response was unbelievable
Idfc has ruined

Is case ke baad to pakka yakeen hogaya Idfc ki galat reporting ke karan mere cards reject ho rahe hain but last June me inhone Cibil report update Kari he uske baad mujhe idfc or Indusind CC mil gaye but Roarbank wale last application ke behalf par apply ka option nahi de rahe hain unhe chance dena chahiye Cibil report update hogayi