SBI Credit Card Active but Showing as Closed in CIBIL – Need Advice!

[Credit Cardiya]

Hey everyone,

I’m facing a strange issue with my SBI credit card. The card is active, and I’m using it regularly, but my CIBIL report incorrectly shows it as "Closed."

# Steps I’ve Taken So Far:
✅ Contacted CIBIL customer care – They said they are just an information-collecting agency and that the bank is responsible.
✅ Checked the CIBIL dispute form – There’s no specific option for this issue.
✅ Reached out to SBI Card customer care – They said they can’t access my CIBIL report and advised me to visit my branch.
✅ Visited my home branch – They had never seen this issue before and directed me to the head branch in my city.
✅ Emailed the head branch – I sent them my CIBIL report, a screenshot of the issue, and my latest transaction history as proof that my card is active.

Has anyone faced a similar issue before? What’s the best way to escalate this if the head branch doesn’t resolve it? Should I file a formal complaint with SBI or approach the RBI Ombudsman?

Any advice would be really helpful. Thanks in advance!

 

[EverybodyEverybody is verified member.]

Did you flip the card after getting the new card? When was the card approved?

Hey everyone,

I’m facing a strange issue with my SBI credit card. The card is active, and I’m using it regularly, but my CIBIL report incorrectly shows it as "Closed."

# Steps I’ve Taken So Far:
✅ Contacted CIBIL customer care – They said they are just an information-collecting agency and that the bank is responsible.
✅ Checked the CIBIL dispute form – There’s no specific option for this issue.
✅ Reached out to SBI Card customer care – They said they can’t access my CIBIL report and advised me to visit my branch.
✅ Visited my home branch – They had never seen this issue before and directed me to the head branch in my city.
✅ Emailed the head branch – I sent them my CIBIL report, a screenshot of the issue, and my latest transaction history as proof that my card is active.

Has anyone faced a similar issue before? What’s the best way to escalate this if the head branch doesn’t resolve it? Should I file a formal complaint with SBI or approach the RBI Ombudsman?

Any advice would be really helpful. Thanks in advance!

 

[Credit Cardiya]

Did you flip the card after getting the new card? When was the card approved?

Yes actually I was approved on on 5th of February and as I have received simply click on amex network which is useless for offline use so I have flipped card in visa variant on 28 February.

 

[EverybodyEverybody is verified member.]

Yes actually I was approved on on 5th of February and as I have received simply click on amex network which is useless for offline use so I have flipped card in visa variant on 28 February.

Then nothing to worry about just hold on few days for new account to be reflected on cibil.

It's a common thing that happens after card flip. In sbi cards with every card / network you change to will be a new account that's get created by closing the previous account on cibil.

 

[Credit Cardiya]

Than what happened to the old account history and age? It will retained or new created

 

[aniketkr.sharma]

Than what happened to the old account history and age? It will retained or new created

No, as that will be a new account

 

[mailmenow]

Wait for some days. Else just drop a mail to cibilinfo@transunion.com