SBI Credit card cooling period.

[mvsaikrishna666]

I've applied for SBI Credit card in May-2022 and got SBI SimplyClick card. But I got very less credit limit than my other credit cards. So I rejected SBI Card at delivery. When Can I again apply for SBI Credit card?

 

[Ranger]

Dont share anything.... Very less chance of card approval.. Plus every week u will receive whatsapp message of ramdom agents from yes bank, indusind bank for cc.. They share the data....

Thing is i shared my name (not full name) and stuff plus the pan card number in the call. Should not be much problem i guess?

 

[ujjawal]

View attachment 2287View attachment 2288
Legit?

This looks suspicious, he is saying he can't accept kyc documents through mail but can accept salary slips and other bank documents.

 

[Pramtesh]

SBI gives excellent limit enhancements
You shouldn't have rejected at delivery

In my case. I disagree. I am using simply save since 4 years. Limit was 410K. Last few months ago I received limit enhancement of just 10K=420K.

 

[Ranger]

This looks suspicious, he is saying he can't accept kyc documents through mail but can accept salary slips and other bank documents.

Ya i thought the same

 

[Dr. Drake]

Don't worry SBI is excellent with limit enhancements

Completely disagree using it since 6years 20k -> 45k -> 105k -> 160k no limit enhancement since almost 15months

 

[Avijeet]

My SBI Cashback was approved on 27th Oct ... I am unable to apply for VISTARA PRIME online....

It's taking me to a page saying



The application no. is same as SBI CASHBACK's

 

[binno]

You can apply from website or agent again..normal website not sprint website . Agent can apply n number of times

i got simply click last month but i want cashback .. can i apply ? through sprint ?

 

[4uziaul]

i got simply click last month but i want cashback .. can i apply ? through sprint ?

After 3 months only, it is possible to apply.

 

[Batmanbaba]

i got simply click last month but i want cashback .. can i apply ? through sprint ?

if ur last application was succesful...then u have to wait for 90 days....in case of rejection...there is no cooling period

 

[binno]

if ur last application was succesful...then u have to wait for 90 days....in case of rejection...there is no cooling period

it was approved … can i apply through agent before that ? why do most of them suggest to apply through agent ? what’s the benefit. ?

 

[Batmanbaba]

it was approved … can i apply through agent before that ? why do most of them suggest to apply through agent ? what’s the benefit. ?

Agent mostly do all jugaad to get ur card approved.... Sbi has lot of steps.. With agents it gets a bit easy... U can try but agent just fills application... It will be rejected at backend

 

[4uziaul]

it was approved … can i apply through agent before that ? why do most of them suggest to apply through agent ? what’s the benefit. ?

Just a word of caution: never apply through an SBI agent, especially those you see standing in malls. After a few months, if the same agent moves to another bank to fulfill their target, they might use your documents to apply for a credit card. The half-decent ones will at least call you and tell you that you are eligible for the XYZ Card, while the few rogue ones will simply apply without your consent.

 

[binno]

Just a word of caution: never apply through an SBI agent, especially those you see standing in malls. After a few months, if the same agent moves to another bank to fulfill their target, they might use your documents to apply for a credit card. The half-decent ones will at least call you and tell you that you are eligible for the XYZ Card, while the few rogue ones will simply apply without your consent.

what if i apply through the same through which i did last time ?

 

[4uziaul]

what if i apply through the same through which i did last time ?

You can, but I have already laid down the risks associated with applying through an agent. Just don't trust these so called SBI agents – that's all I can say.