Unable to get Approval for any SBI Credit Card

[sandeept87]

Hello Technofino Family,

I have used SBI simply click card for a year with a limit of ₹.26000/- and closed the card due to for increasing the credit limit and lower credit limit. Again after three years i have tried to apply for the Cash back credit card. The process went smooth. The agent came and took my consent and biometric. Everything went fine. When the confirmation call came. They have offered me Prime card. I said no and told them i have applied for cash back. The call went smoothly. after few days upon tracking it showed that the application got rejected. From then, i have tried to apply for a credit card in SBI but of no use. I do have a personal loan of ₹.700000/- in the SBI. Upon further enquires, some said due to personal loan your application is getting rejected. Some of the SBI employees said that i have been marked as defaulter. but i have never defaulted any EMI till date. And while applying it is getting rejected in the application level itself. If any one have faced this kind of situation and got resolved. please kindly share your experience so that i can get through.

 

[varun__goel_]

Hello Technofino Family,

I have used SBI simply click card for a year with a limit of ₹.26000/- and closed the card due to for increasing the credit limit and lower credit limit. Again after three years i have tried to apply for the Cash back credit card. The process went smooth. The agent came and took my consent and biometric. Everything went fine. When the confirmation call came. They have offered me Prime card. I said no and told them i have applied for cash back. The call went smoothly. after few days upon tracking it showed that the application got rejected. From then, i have tried to apply for a credit card in SBI but of no use. I do have a personal loan of ₹.700000/- in the SBI. Upon further enquires, some said due to personal loan your application is getting rejected. Some of the SBI employees said that i have been marked as defaulter. but i have never defaulted any EMI till date. And while applying it is getting rejected in the application level itself. If any one have faced this kind of situation and got resolved. please kindly share your experience so that i can get through.

Check you cibil report, if any default has been reported. Get a cc from another bank first and then try to apply for sbi

 

[sandeept87]

My Cibil Score at Present is 785 and i have been maintaining the same since 4 years. I have not defaulted any EMI. At present i have 18 cards from different Banks. But none from SBI. Recently couple of days back i have received ace card from axis bank. Particular reason for SBI Card is looking for a BPCL Cobranded card and Cash Back card.

 

[D₹V]

Hello Technofino Family,

I have used SBI simply click card for a year with a limit of ₹.26000/- and closed the card due to for increasing the credit limit and lower credit limit. Again after three years i have tried to apply for the Cash back credit card. The process went smooth. The agent came and took my consent and biometric. Everything went fine. When the confirmation call came. They have offered me Prime card. I said no and told them i have applied for cash back. The call went smoothly. after few days upon tracking it showed that the application got rejected. From then, i have tried to apply for a credit card in SBI but of no use. I do have a personal loan of ₹.700000/- in the SBI. Upon further enquires, some said due to personal loan your application is getting rejected. Some of the SBI employees said that i have been marked as defaulter. but i have never defaulted any EMI till date. And while applying it is getting rejected in the application level itself. If any one have faced this kind of situation and got resolved. please kindly share your experience so that i can get through.

To be honest about SBI loan.

They generally mark late payment in 1st month itself.

One of my known going through it.

Check that.

 

[arun4455]

My Cibil Score at Present is 785 and i have been maintaining the same since 4 years. I have not defaulted any EMI. At present i have 18 cards from different Banks. But none from SBI. Recently couple of days back i have received ace card from axis bank. Particular reason for SBI Card is looking for a BPCL Cobranded card and Cash Back card.

I also have similar situation. SBI is declining the applications. I had raised a complaint to RBI and then got the call from SBI. She mentioned that since the overall limit on my credit cards is more than my annual income, therefore my applications are getting rejected.

 

[rishis90]

I also have similar situation. SBI is declining the applications. I had raised a complaint to RBI and then got the call from SBI. She mentioned that since the overall limit on my credit cards is more than my annual income, therefore my applications are getting rejected.

Weird reason, I have been rejected for SBI Vistara prime as well

 

[rishis90]

I also have similar situation. SBI is declining the applications. I had raised a complaint to RBI and then got the call from SBI. She mentioned that since the overall limit on my credit cards is more than my annual income, therefore my applications are getting rejected.

Same , today I got the call , she said your income is so less and loan amt is too high , I was like whatttt.... 😀 weirdest reason , I explained her that u might be seeing details on your system when I was in college and got my sbi card.. LOL , my income is xxx times more than what is written over there... she said due to internal policies we can't give you card

 

[Boy 07]

I also have similar situation. SBI is declining the applications. I had raised a complaint to RBI and then got the call from SBI. She mentioned that since the overall limit on my credit cards is more than my annual income, therefore my applications are getting rejected.

Same thing happening with me I am fed up now
I am trying to get SBI card last two years
Now the condition from the last six months is that when I try to apply it got self rejected I complaint and ask reason they told your emi are more than your income I asked them when I have not entered my income any where in application how bank knows my income is less.i have 11 cards and cibil is 779
With zero % utilisation with no late payment of any card .but before six months I have started paycheck.