credit_noob
TF Select
Hi everyone,
I recently applied for a Standard Chartered rewards credit card through an agent/employee, and it was a bit of an unusual experience. The agent applied for the card using a laptop, which I found strange as it was the first time I had seen someone apply in that manner.
Here's a timeline of the application process:
- 12:00 pm: Application filled out.
- 12:11 pm: EKYC completed with just Aadhar OTP authentication.
- 12:35 pm: VKYC completed, during which I was asked multiple questions about my income, position grade, addresses, and the product I applied for. It was the longest KYC process I have ever experienced.
I did not receive any notification confirming the success of the VKYC.
- 1:45 pm: I received a message saying that SMS banking had been successfully activated. I was unsure about what this meant.
- 2:29 pm: I received an email stating that my application had been approved and that the card would be dispatched soon. The email also included the terms and conditions in a PDF format.
Here are some additional details about my application:
- CIBIL Score: 801
- Last 3 months' enquiries: 5
- Last 15 days' enquiries: 2
- Number of new cards added to the report in the last 2 months: 3
- Highest credit limit: ₹3.2 lakh
- Account age: 7 years and 7 months
I was disappointed to discover that a single application resulted in two hard enquiries on my CIBIL report.
I recently applied for a Standard Chartered rewards credit card through an agent/employee, and it was a bit of an unusual experience. The agent applied for the card using a laptop, which I found strange as it was the first time I had seen someone apply in that manner.
Here's a timeline of the application process:
- 12:00 pm: Application filled out.
- 12:11 pm: EKYC completed with just Aadhar OTP authentication.
- 12:35 pm: VKYC completed, during which I was asked multiple questions about my income, position grade, addresses, and the product I applied for. It was the longest KYC process I have ever experienced.
I did not receive any notification confirming the success of the VKYC.
- 1:45 pm: I received a message saying that SMS banking had been successfully activated. I was unsure about what this meant.
- 2:29 pm: I received an email stating that my application had been approved and that the card would be dispatched soon. The email also included the terms and conditions in a PDF format.
Here are some additional details about my application:
- CIBIL Score: 801
- Last 3 months' enquiries: 5
- Last 15 days' enquiries: 2
- Number of new cards added to the report in the last 2 months: 3
- Highest credit limit: ₹3.2 lakh
- Account age: 7 years and 7 months
I was disappointed to discover that a single application resulted in two hard enquiries on my CIBIL report.
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