SC Credit Card Getting Rejected? What to do? Cibil 772

[Akshay9512]

Anyone has any idea about the particulars for SC Credit card, is it difficult to get one? I dont have any account with SC Bank.

 

[Wealth is my birth right!]

Apply for their travel card which is easily approved https://www.sc.com/in/credit-cards/easemytrip-credit-card/

 

[CardSeeker]

Anyone has any idea about the particulars for SC Credit card, is it difficult to get one? I dont have any account with SC Bank.

U submitted salary slips?

 

[CardSeeker]

Apply for their travel card which is easily approved https://www.sc.com/in/credit-cards/easemytrip-credit-card/

Do they ask for salary slips?

 

[Akshay9512]

U submitted salary slips?

It is rejecting me immediately after Cibil Enquiry

 

[Wealth is my birth right!]

It is rejecting me immediately after Cibil Enquiry

Then concern is with CIBIL number only wait to get boosted above 800 and apply; we will not know how they set at back end to filter applications to minimal.

 

[deep@vie]

Anyone has any idea about the particulars for SC Credit card, is it difficult to get one? I dont have any account with SC Bank.

SCB issues card to salaried person only,if you're salaried. Just ask the bank to share the reason for declining your application.

 

[Wealth is my birth right!]

SCB issues card to salaried person only,if you're salaried. Just ask the bank to share the reason for declining your application.

Not only salaried, your company should be in SCB's approved list and ur address should be serviceable area by them.

 

[deep@vie]

you must be salaried & stay in serviceable area,criteria of listed companies is gone.

 

[deep@vie]

just ask the reason of rejection. May be I can help you after getting the reason.

 

[deep@vie]

reason of rejection in your case seems to be DBR. but you have to confirm it in order to find a way to get it through.

 

[diablorojo8]

What is DBR?

 

[Wealth is my birth right!]

What is DBR?

Debt Burden Ratio and is ur cibil shows loans of big ticket?
If so sometimes some conservative banks will not give much exposure to u.

 

[diablorojo8]

I do have a secured car loan of 10 lakh. And one stupid Amazon pay 3k loan and one 3lakh PayU which they don't close. Rest all is credit cards.

 

[Wealth is my birth right!]

I do have a secured car loan of 10 lakh. And one stupid Amazon pay 3k loan and one 3lakh PayU which they don't close. Rest all is credit cards.

BNPL is the concern with SCB i think, CL and HL they wont consider much.

 

[diablorojo8]

BNPL is the concern with SCB i think, CL and HL they wont consider much.

Maybe at one point I had Slice, UniPay and LazyPay. Slice and UniPay I closed, honestly UniPay were so much better. slice I had to fight.
LazyPay is another level, they don't even respond back.
It's just laziness stopping me from raising a ombudsman ticket.

 

[Wealth is my birth right!]

Maybe at one point I had Slice, UniPay and LazyPay. Slice and UniPay I closed, honestly UniPay were so much better. slice I had to fight.
LazyPay is another level, they don't even respond back.
It's just laziness stopping me from raising a ombudsman ticket.

Anyways one has to close BNPLs in cibil else may be an headache in future

 

[AsB]

Anyways one has to close BNPLs in cibil else may be an headache in future

Yes yes yes. Close BNPL ASAP. I had opened PayTM Postpaid in 2020. My cibil never went up beyond 742. Once I closed it after 2 years, Cibil started improving.

 

[AsB]

Maybe at one point I had Slice, UniPay and LazyPay. Slice and UniPay I closed, honestly UniPay were so much better. slice I had to fight.
LazyPay is another level, they don't even respond back.
It's just laziness stopping me from raising a ombudsman ticket.

Escalate to RBI. Dont have any BNPLs in your CIBIL

 

[Cardiosniper]

Anyways one has to close BNPLs in cibil else may be an headache in future

hi bro .. i am applied SC credit card on Jan instant reject . can you help