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It may be due to over leverage issue in eyes of SBI Cards. Always take SBI Card in beginning of your credit card journey.My SBI SimplyCLICK Credit Card application was rejected, despite having ICICI, IDFC, HDFC, and Yes Bank credit cards, a CIBIL score of 782, and a credit history of more than 2 years.
It's unbelievable that they are even rejecting SimplyClick!My SBI SimplyCLICK Credit Card application was rejected, despite having ICICI, IDFC, HDFC, and Yes Bank credit cards, a CIBIL score of 782, and a credit history of more than 2 years.
Apply any cobranded card...It's unbelievable that they are even rejecting SimplyClick!
1. Cibil at least a year old
2. Less than 10 cards,
3. Total Limit/debt less than 2.5xof income
?
I applied through SBI Sprint.did you apply through cashkaro?
You quoted wrong guy, I guess... 🙂Apply any cobranded card...
what if someone has more then 10 cards they dont issue?It's unbelievable that they are even rejecting SimplyClick!
@inakul14 You pass this checklist?
1. Cibil at least a year old
2. Less than 10 cards,
3. Total Limit/debt less than 2.5xof income ?
Chances become slim with each additional card, termed as credit hungry behaviorwhat if someone has more then 10 cards they dont issue?
Over leverage depends on usage of credit card I guess instead of just having credit but if that's how SBI rejects then i will not get a sbi cardChances become slim with each additional card, termed as credit hungry behavior
But most important is over leaverage
1. CIBIL score is more than 2 years old.It's unbelievable that they are even rejecting SimplyClick!
@inakul14 You pass this checklist?
1. Cibil at least a year old
2. Less than 10 cards,
3. Total Limit/debt less than 2.5xof income ?
If it was an instant online rejection then the most probable reason : Over leverage..My SBI SimplyCLICK Credit Card application was rejected, despite having ICICI, IDFC, HDFC, and Yes Bank credit cards, a CIBIL score of 782, and a credit history of more than 2 years.
Refer SSV and rogerthat posts1. CIBIL score is more than 2 years old.
2. I have 4 credit cards.
3. Yes my limit is less than 2.5x of income
Thanks for the advice. Since I only have credit cards and no loans, I'll look into managing my credit limit to improve my chances in the future.If it was an instant online rejection then the most probable reason : Over leverage..
you cant not get any SBI card unless you decrease your debt to Income ratio..
1). either increase your income
or
2) decrease your unsecured debt (ie. total Credit limit on all your CCs/ personal loans etc)..
or
3) Both