SC Second Card Approval

[Theron]

Is there anybody applied for second card of SC? Will there will enquiry again in CIBIL for second card as there is no any word like consent for credit bureau report mentioned in application?

 

[MS R]

3L , may 2023

did u reapply?

 

[SonyTom]

yes, they can decline based on inter relationship between cards as mentioned here. I'm able to apply 2nd card within 1 week with Manhattan to Ultimate but it got declined 2 times when I applied 2nd card from Ultimate to Smart (note: manhattan closed way before). They're ok with any reward card but not SVT, Smart. Eventually got hence difficult but not easy like direct cards.

Based on this theory, is there any problem if a person with SC smart applies for SC Ease my trip as a second card?

 

[CardGame]

Few points based on my conversation with customer support (for existing customers):

Upgrades / 2nd card: Easy if the upgraded card has same reward structure as current card, Difficult if different (note: difficult not impossible, need approvals or from retention team support).

Ex: Can't upgrade easily from Smart (cashback) to Rewards (points). But easy from Platinum (points) to Rewards (points).

Ex: Easy to get 2nd card along with Manhattan (cashback+points) to Ultimate (points) (Note: limit rule still apply). But hard to get 2nd card from Ultimate (points) to Smart (cashback).

Mostly recent changes, earlier it was easy actually but this is just general template, fyi.

FYI My friend has smart(cashback) since early Jan 24 and applied ultimate (rewards) within 2 weeks of getting smart and got approved.

 

[helloworld]

Based on this theory, is there any problem if a person with SC smart applies for SC Ease my trip as a second card?

FYI My friend has smart(cashback) since early Jan 24 and applied ultimate (rewards) within 2 weeks of getting smart and got approved.

As long as you going for higher cards, no issues. Major issue with upgrades, but 2nd card based on Ultimate is the problem. Again, this is just one random experience, may not happen to everyone.

Mostly I see problems when user upgrades/apply as 2nd card to 'smart' particularly (or other cashback cards), others are more like we can get somehow.

 

[vaibhavpp0707]

Is it possible to get LTF SC Platinum Rewards credit card as 2nd credit card using SC Smart cradit card as existing card ?.
It's mentioned over SC website that it will be life time free if we spend 500₹ within 30 days. So can we get LTF platinum rewards as 2nd card ?

 

[KLB@96]

I hold ease my trip card with 1lac limit its less than two months old. Can I apply for smart card ?

 

[helloworld]

Is it possible to get LTF SC Platinum Rewards credit card as 2nd credit card using SC Smart cradit card as existing card ?.
It's mentioned over SC website that it will be life time free if we spend 500₹ within 30 days. So can we get LTF platinum rewards as 2nd card ?

not possible. offer applicable only new customers.

I hold ease my trip card with 1lac limit its less than two months old. Can I apply for smart card ?

you can always try. no cibil hit, if rejected know reason and apply after sometime. but you can apply.

 

[MS R]

no reason mentioned for rejection .. how to find out

 

[helloworld]

no reason mentioned for rejection .. how to find out

call customercare and ask through them if possible, they can also apply 2nd card. And ask for reason if anything mentioned.

 

[vaibhavpp0707]

not possible. offer applicable only new customers.



you can always try. no cibil hit, if rejected know reason and apply after sometime. but you can apply.

CC confirmed my platinum rewards is paid one. I had raised closure request. Retention team retained me with 500₹ credit. So 500 - ( 250 + GST) is the effective gain. Will reach out / raise cancellation request before renewal.

 

[CardGame]

CC confirmed my platinum rewards is paid one. I had raised closure request. Retention team retained me with 500₹ credit. So 500 - ( 250 + GST) is the effective gain. Will reach out / raise cancellation request before renewal.

That's a good offer. Update us here abt 2025 😜

 

[raghumahajan]

bro will statement generation date be same for both cards or different???
and cashback credited in 360 rewards account right??

I got my first statement after getting my second card yesterday. Both cards have a single statement like add-on cards. But shows different amounts due for both cards but a single credit limit.
Till now cred is not able to detect this, not sure if it works.

 

[BhaiyaJi]

I got my first statement after getting my second card yesterday. Both cards have a single statement like add-on cards. But shows different amounts due for both cards but a single credit limit.
Till now cred is not able to detect this, not sure if it works.

Are the cards reported separately in credit reports or as single account only?

 

[raghumahajan]

Are the cards reported separately in credit reports or as single account only?

The second card has not yet been posted as I got it a few days back. it may take 2 months to finally reflect in credit reports.

 

[Lobogris]

It's because your 1st first card was not a direct approval as your branch had to intervene after initial rejection. My friend who got his 1st card in January applied for Ultimate within 2 weeks and got his 2nd card Ultimate. I can confirm that there is no 6 months cooldown period in SC.

Finally got the Smartcard as a second card after about about 5 months of receiving the SVT card. Got it via branch. They got whatever approval was needed as I am a Priority/ Premium client. Just had to sign a form. No CIBIL hit.

 

[imrajib]

1.you can apply for second cc , havent tried with existing cc 1 rs verification process so cant guarantee it
2.Cooling period i dont think is required
3.Cibil hit wont happend as the limit is shared between both the cards

I am already a holder of SCB Ease My Trip Credit Card.Does they conduct home and office verification again for existing card holder?

1rs verification method is down in SCB India website. I am telling about fresh normal application

 

[Kumar93196]

Scb has stopped sourcing new cards

 

[spacewalker024]

I am already a holder of SCB Ease My Trip Credit Card.Does they conduct home and office verification again for existing card holder?

1rs verification method is down in SCB India website. I am telling about fresh normal application

I too have easemytrip and wanted smart credit card so I asked for upgrade via x and arrange for callback while customer care assured card will be upgraded but after a day I receive call from credit card team that upgrade is not possible and you will have to apply for smart credit card seperately so I did it via x again and i got the card without credit enquiry in cibil or any verification.

 

[bainmebain]

Scb has stopped sourcing new cards

They have? Interesting!

Do you know why? Hopefully it's because the RBI made them stop until they get their act together.

 

[BhaiyaJi]

they get their act together.

You mean BBPS integration?