SBI Fraud : Sent Simplyclick in mail even though I had applied for Cashback card

[sodapop]

Hello All,

I had started online application for SBI Cashback card but the SBI website kept defaulting to SBI simplyclick card, later once I proceeded further, I requested cancellation of application but was verbally promised by the on call rep that they will process SBI Cashback card.

Later when I got the call for KYC checking, that person mentioned SBI simplyclick as well but on deliberation, he also said that they will send the Cashbackcard offline form.

When the KYC validator person visited my house, I filled the form for Cashbackcard only, 3 days later, I have got simply click card, which is pretty useless for me with a credit limit of 20,000 without amazon in their partners anymore, I don't think I can get the 10X or 2.5%. This card is 500Rs and it's a total waste of time and space. I am now scared that my credit limit will take a hit.
I don't know what I should pay or not.

I have not activated the card or done anything, I have it still in the opened envelop it came in. I don't want to pay anything.

I tried calling both customer care numbers, but I am stuck in IVR loop. How can I talk to a human customer care rep ? it seems almost impossible !
I have not been this frustrated in months, can anybody here help me please ?
What do you suggest ?

 

[souvikr]

I will suggest you to use the card and pay the joining fee of rs. 590. I think you are eligible for bonus reward points worth 500 rupee if you have paid joining fees (Not sure, please refer TnCs). If so, it will be loss of rs. 90 only. After 11 months (Just before renewal time) close the card and get out of the mess. Don't risk you cibil report for Rs. 90 only.

 

[sodapop]

I will suggest you to use the card and pay the joining fee of rs. 590. I think you are eligible for bonus reward points worth 500 rupee if you have paid joining fees (Not sure, please refer TnCs). If so, it will be loss of rs. 90 only. After 11 months (Just before renewal time) close the card and get out of the mess. Don't risk you cibil report for Rs. 90 only.

Does unactivated card hurt credit score? - CreditCards.com

If you've applied for a credit card but decided not to activate it, any impact to your credit score has already occurred.

www.creditcards.com

Dear @souvikr - I would like to let you know that unactivated credit cards will not effect the credit score at all.
Activating and closing it in year will shorten the credit lifecycle as per my internet research.

Thanks for your suggestion anyways, I learnt something new by researching online because of the same.

 

[souvikr]

Does unactivated card hurt credit score? - CreditCards.com

If you've applied for a credit card but decided not to activate it, any impact to your credit score has already occurred.

www.creditcards.com

Dear @souvikr - I would like to let you know that unactivated credit cards will not effect the credit score at all.
Activating and closing it in year will shorten the credit lifecycle as per my internet research.

Thanks for your suggestion anyways, I learnt something new by researching online because of the same.

Yes, that's the rule but I just suggested the most practical and safest way the handle the issue. Also while closing the card SBI card allows to transfer the credit limit to other SBI card (if you have any) which is another benefit.

 

[STEVEN]

I have applied for a simply click secured card from sbi branch and i already have simply save which is also secured one and now the simply click card got a limit of just 53000 where as the fd of mine is 7lakh and limit of my simply save is just 1lakh. I hadn't received the card yet but if i didn't activate the card it will be cancelled right?
What might be the reason for a lower limit?
I've called customer care and enquired whether it is a secured or unsecured but they've said it is secured.
Which fd cc is best?
Can sbi cashback be available through fd?

 

[souvikr]

I have applied for a simply click secured card from sbi branch and i already have simply save which is also secured one and now the simply click card got a limit of just 53000 where as the fd of mine is 7lakh and limit of my simply save is just 1lakh. I hadn't received the card yet but if i didn't activate the card it will be cancelled right?
What might be the reason for a lower limit?
I've called customer care and enquired whether it is a secured or unsecured but they've said it is secured.
Which fd cc is best?
Can sbi cashback be available through fd?

Try for icici FD card. You will get credit limit of 90% of the FD amount. Also the process is very simple. Not sure if there is any max limit criteria because I have never applied for secured card with big amount of FD.

 

[makman]

Ah. I have not activated the card at all.
I have not paid anything as well. Just got the card today.
A lot of our friends here have suggested that it’s better to request for closure before activating the card. Hence I don’t think I would be able to get the voucher. If tomorrow, when I visit the office again, I am told to pay up. I’ll request them to switch over to cash back card.

If not. Close it.

Can you mention what happened with your card in the end? Did you close it by sending closure request or by not using the card at all first 30 days?

 

[vasanth_ece]

Does unactivated card hurt credit score? - CreditCards.com

If you've applied for a credit card but decided not to activate it, any impact to your credit score has already occurred.

www.creditcards.com

Dear @souvikr - I would like to let you know that unactivated credit cards will not effect the credit score at all.
Activating and closing it in year will shorten the credit lifecycle as per my internet research.

Thanks for your suggestion anyways, I learnt something new by researching online because of the same.

I am not sure whether it'll works.Recently applied for Cashback card.Its approved I can able to do transactions before my Physical card arrives.. I have never activated the card. Card comes with pre-activation with POS/ATM. Only Online/ECOM is disabled.

 

[prc1990]

Sbi agents are doing scams intentionally, agent told me that I will get pulse card lifetime free but got paid one.

Agent said she will make lft after approval and mentioned me that dont talk about ltf during confirmation call from sbi..

But after confirmation she stopped picking my call and blocked my number.

I also mailed regarding the same to nodal officer with recordings but they did nothing and mentioned that on confirmation it was mentioned that it is paid.

So within 2 days i swapped my card to simply click and got amazon vocher, so i just got it at 89rs.. and will close this card after 11 months before renewal.

Can you please let me how many days I need to wait for Amazon Voucher post payment of joining fees? Please share your timelines.

 

[Anil_Singh]

Can you please let me how many days I need to wait for Amazon Voucher post payment of joining fees? Please share your timelines.

20 days.

 

[prc1990]

20 days.

Sms aa jayega automatically ki follow up karna hoga?

 

[Anil_Singh]

Sms aa jayega automatically ki follow up karna hoga?

SMS aayega. Don't worry.

 

[tappukepapa]

SMS aayega. Don't worry.

Paid joining fees on 4th feb, still yet to receive any sms or email of amazon gv. What to do?

 

[Anil_Singh]

Paid joining fees on 4th feb, still yet to receive any sms or email of amazon gv. What to do?

Login to SBI Card app -> select desired card (from top, if you have 2 or more cards) -> click on more button (bottom) -> mailbox -> compose -> offers related issue -> gift not received -> continue with email -> write about the issue and send it.
You will get reply from customer care in your email within 24 hours. They will tell you when will you receive gift voucher.

 

[tappukepapa]

Login to SBI Card app -> select desired card (from top, if you have 2 or more cards) -> click on more button (bottom) -> mailbox -> compose -> offers related issue -> gift not received -> continue with email -> write about the issue and send it.
You will get reply from customer care in your email within 24 hours. They will tell you when will you receive gift voucher.

Thanks, done. Will update when i'll receive it.

 

[kochiro]

Not a single agent told me they can apply for cashback, it's through sprint only

 

[ramirami]

Never trust anything said orally by agents.

In my case, I had applied for a card on SBI Sprint. This was my 2nd SBI card, I already had 1 SBI card active. SBI rejected my sprint application.

After this, some SBI Card agent actually applied using a paper form pretending to be me - correct mobile number, correct email address but he filled the form and even signed for me, without telling me, presumably to get some commission.

Later SBI Cards sent me a link to view my application form. This was a surprise. This form was a TIFF image file. TIFF is not a very common image format in everyday life but I had heard about it so downloaded and installed a TIFF viewer. Only because of this, I could see that someone had signed on my behalf, opted for all kinds of optional insurance upsells etc.

SBI Cards also approved this bogus application! I wanted the card so I wrote a point by point email to SBI Cards nodal officer, of the form : page X checkbox Y pertaining to ABC: I do not consent to this. Page P Signature Box Q: This is not my signature; you already have my signature on file and can verify etc., but did not escalate to RBI.

I had expected that they would be alarmed that their agents are committing fraud by placing bogus signatures pretending to be genuine applicants. Instead, I received a reply saying we can confirm no upsells are active (no insurance premium will be deducted, no card protection plan chosen etc.) and since you consent to terms of the card and want to keep the card, please keep using it. There was no apology for the bogus signatures and I doubt the agent received any kind of reprimand.

Moral of the story: There appears to exist institutional culture that encourages / condones unethical behaviour by agents because it is profitable.

 

[ramandeep]

Can you please let me how many days I need to wait for Amazon Voucher post payment of joining fees? Please share your timelines.

Within 30 days after paying joining fees you will get sms regarding voucher.. but i didn't got voucher within 30 days, so i complaint to customer care and they manually pushed the sms and email.