Standard Chartered Application processing procedure

[Sai Ganesh]

I applied for Smart Credit card in online . gave my mobile number and verified the OTP.

Then the application got stuck , then on next day got a call from Sales person from SCB , they asked me to verify few details and do KYC which will come to my mail from Standard Chartered.

Then after 10 min i got an OTP , they asked me to verify that , I have done that also.

After 1 hour , i got the below mail with application number.

Thank you for your interest in 526 - SMARTCREDIT CARD PRIMARY. Your application has been received and review is in progress.

Then after that I got a call from the sales person saying that i will get VKYC mail but I waited for yesterday fully and didn't get it.

Can someone let me know the below 2 things ,

1. Is my application approved , as I came to know from Sales executive if we are eligible only it goes from 1st stage to Aadhar KYC then to VKYC.
2. Does Standard Chartered does VKYC , if so after how many days we get the VKYC mail from applying?

 

[SSV]

Where can I access chat support on their website?

This is also deeply hidden.. what an international bank..!!!
It randomly appears.. Not sure why they want to hide their chat support for potential customers !!

 

[SSV]

Where can I access chat support on their website?

look at here, for this crap...
they say " we are happy to inform you that your card is approved successfully . and wait for 10 days for the receipt of the same" .. this is even with out VKYC.. what a pity!!!

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[Pankhuri]

look at here, for this crap...
they say " we are happy to inform you that your card is approved successfully . and wait for 10 days for the receipt of the same" .. this is even with out VKYC.. what a pity!!!

Manhattan Credit Card - Earn Cash Back and Rewards | SC India

Apply for Manhattan Credit Card from SC and earn 5% cashback at supermarkets, 3x reward points on all other spends and avail exciting discounts and offers.

www.sc.com

lol, everything was done for me and I got we regret to inform you 😂

 

[SSV]

lol, everything was done for me and I got we regret to inform you 😂

Actually to start with , you were able to connect to them.. thats great.. about regret message .. don't know how to take ..

 

[Pankhuri]

Actually to start with , you were able to connect to them.. thats great.. about regreat message .. don't know how to take ..

applied for the same reason as you, not really interested in using it outside of govt payments, but as I have wealth too, so not really bothered by it.

 

[Rajeevbro]

No idea, I guess u can wait. It's not even 24 hrs for ur application 😂.

When I asked for status today, after 20 min I received welcome mail with terms n conditions PDFs and mail for bank sms activation. It's approved for me it seems. 😀

 

[SSV]

When I asked for status today, after 20 min I received welcome mail with terms n conditions PDFs and mail for bank sms activation. It's approved for me it seems. 😀

Congratulations. . .

 

[its_karan]

lol, everything was done for me and I got we regret to inform you 😂

Same here brother.

 

[Pankhuri]

Same here brother.

How many enquiries in last 3 months?

 

[SSV]

How many enquiries in last 3 months?

Interesting to know.. actually

 

[its_karan]

How many enquiries in last 3 months?

1, HDFC Bank, Neu Plus LTF, Got it.

 

[SSV]

1, HDFC Bank, Neu Plus LTF, Got it.

Just one enquiry and they rejected your CC application.. very hard to crack their algo...

 

[Pankhuri]

Just one enquiry and they rejected your CC application.. very hard to crack their algo...

If you get it, then it would be quite clear that no of enquiries are less of a factor and maybe employer is a big factor. I work for a niche start up, probably that's why.

 

[SSV]

If you get it, then it would be quite clear that no of enquiries are less of a factor and maybe employer is a big factor. I work for a niche start up, probably that's why.

I don't think I will get it now, as haven't heard back from them since I wrote to them ..
Enquiries do play a role I believe...
May be these guys are also playing "inky pinky ponky" to pick the successful application...

BTW. I tool now work for one of my friends startup (5 years old though) ..

 

[SSV]

1, HDFC Bank, Neu Plus LTF, Got it.

on that note, do you work for big corporate ??

 

[its_karan]

on that note, do you work for big corporate ??

No. Self Employed. Have my own Firm.

 

[SSV]

No. Self Employed. Have my own Firm.

so your ITR is >36L .. right??

 

[its_karan]

so your ITR is >36L .. right??

Yes, it is. On a side note, the nonsense I observed was:

1. They have a mandatory Basic Pay per month and allowances per month, even when I selected the Self-Employed category.
2. Why on earth do they need a 36L per annum ITR for an entry-level cashback card?

 

[SSV]

Yes it is

then there is nothing wrong in their algo ..

 

[Pankhuri]

BTW. I tool now work for one of my friends startup (5 years old though)

Literally my situation. Friend is a college senior, he used to work as my manager at a previous job, was promoted but he declined it and used it to get a much better pay at other firm. Pandemic hit, offer was rescinded. He started his own firm, I left my job due to a better offer from a European company as consultant. The firm we both used to work for got acquired by some other company and I was supposed to join that company in September. My senior essentially poached me from them.