What to do if BOB Financial Reject Your Application After 2-3 months ?

[abhinav8296]

As per our internal policies, please note that the current decision is in no way reflective of your credit stature, and we will be happy to consider your application when you apply again with updated financial information at a later date.

I have provided 3 months of ICICI credit card + bank account statement , but bob declined my application after 50 days...what to do now ?

 

[Batmanbaba]

LTF - had posted this in a different thread.

How.. With itr or normal request... Via email... ++??

 

[V360V360 is verified member.]

1. Had received LTF Premier
2. Asked for upgrade as I was eligible for ETERNA - they denied
3. Dropped multiple emails - finally they responded with the Upgrade form
4. Shared my Payslip and Form 16 - card upgraded (VISA) in less than a week (Income above 30+ Lacs)

 

[Arka]

Can i apply BOB CC Through my Secured ICICI Platinum Credit Card Limit of 1.35L?

You can try.. Actually there is no proper guidelines for C2C apply in BOB. There are different kind of experience for various member of this community.

 

[dhiraz]

You can try.. Actually there is no proper guidelines for C2C apply in BOB. There are different kind of experience for various member of this community.

After applying they do any physical verification? Because i am currently in Delhi and My Aaadhar Card Address is from UP.

 

[prc1990]

After applying they do any physical verification? Because i am currently in Delhi and My Aaadhar Card Address is from UP.

Yes they do.

 

[dhiraz]

Yes they do.

On My Address Or In The BOB Branch.
The Verification Person Do The Verification As Formality or
Like:
Tere Ko Card Milne Nahi Dunga

 

[chdguy1980]

1. Had received LTF Premier
2. Asked for upgrade as I was eligible for ETERNA - they denied
3. Dropped multiple emails - finally they responded with the Upgrade form
4. Shared my Payslip and Form 16 - card upgraded (VISA) in less than a week (Income above 30+ Lacs)

You must have got Eterna LTF if the ITR is more than 30 lacs, right?

 

[dhiraz]

I applied via 2 months old HDFC business moneyback and got BOB Select LTF

Yours is Unsecured but Mine is Secured?
Is There Any Problem Applying Through My Secured CC for Card To Card Process.

 

[prc1990]

On My Address Or In The BOB Branch.
The Verification Person Do The Verification As Formality or
Like:
Tere Ko Card Milne Nahi Dunga

No they do verification seriously as they received an overwhelming responses and as per sources a lot of them are junk/fake applications. So this way they filter out those unwanted ones. The reason BoB is taking so much time is because this field verification is taking lot of time to identify the geniune ones.

Post in thread 'Bank of baroda easy variant upgraded in premier' https://www.technofino.in/community...y-variant-upgraded-in-premier.1413/post-26669

 

[dhiraz]

No they do verification seriously as they received an overwhelming responses and as per sources a lot of them are junk/fake applications. So this way they filter out those unwanted ones. The reason BoB is taking so much time is because this field verification is taking lot of time to identify the geniune ones.

Post in thread 'Bank of baroda easy variant upgraded in premier' https://www.technofino.in/community...y-variant-upgraded-in-premier.1413/post-26669

I am Genuine Person I have only card to card option because i have no ITR or salary slip. Any problem apply through card to card. Is it count as fake application??

 

[Bhaskar]

Mera koi physical verification nahi hua tha. I also had different address in aadhar after few days of video kyc my card approved. It took nearly 10 days only. So give it a try.

After applying they do any physical verification? Because i am currently in Delhi and My Aaadhar Card Address is from UP.

 

[dhiraz]

Mera koi physical verification nahi hua tha. I also had different address in aadhar after few days of video kyc my card approved. It took nearly 10 days only. So give it. a try

From Which method you go through?

 

[prc1990]

I am Genuine Person I have only card to card option because i have no ITR or salary slip. Any problem apply through card to card. Is it count as fake application??

On C2C basis ideally no income should be required and this would defeat the purpose of C2C. However, if bank feels they can ask for income proofs.

 

[Bhaskar]

From Which method you go through?

Purely online. Selected card to card while applying.

 

[dhiraz]

On C2C basis ideally no income should be required and this would defeat the purpose of C2C. However, if bank feels they can ask for income proofs.

Then what type of income proof i saw them?
Can my saw my HDFC Bank statement?

 

[prc1990]

Then what type of income proof i saw them?
Can my saw my HDFC Bank statement?

If it requires, bank would reach out to you over email.

 

[Arka]

No problem

I also applied C2C via 2 month old HDFC business moneyback with 75K limit

Got BOB Select LTF with 50K limit

Did they show upto 94k limit on the time of applying the the card and the credit enquiry from BOB FINANCIAL was of 50k ?

 

[dhiraz]

No but why did you take secured CC from HDFC?

No Bro Not From HDFC I Take Secured from ICICI Bank in Feb.

HDFC Mai To Offer Aaya Hai Business MoneyBack Ka Lakin Accept Nahi Kiaa.

 

[moonsmart]

As per our internal policies, please note that the current decision is in no way reflective of your credit stature, and we will be happy to consider your application when you apply again with updated financial information at a later date.

I have provided 3 months of ICICI credit card + bank account statement , but bob declined my application after 50 days...what to do now ?

Why sent bank statements? For C2C aren't you supposed to send card front copy and card statements.

 

[Arka]

I guess they showed 75K limit

Yeah probably 50K but enquiry amount has no value

Yeah.. I know.. actually I also applied C2C with 75k credit limit. That's why I'm curious