Will not activating BoB credit card result in it's closure?

[steiner03]

I applied and got BoB Select credit card but the limit i got in it is very less. I wanted to keep it for bank offers but I doubt i can utilise those offers with a limit of 25k.
I don't want this card and would like to apply again, maybe for premier card after a couple of months via C2C.
I have received the Select card but I have not activated it.
So for closing this card, do i have to raise any closure request or just not activating the card would do?

 

[pprakash11]

I applied and got BoB Select credit card but the limit i got in it is very less. I wanted to keep it for bank offers but I doubt i can utilise those offers with a limit of 25k.
I don't want this card and would like to apply again, maybe for premier card after a couple of months via C2C.
I have received the Select card but I have not activated it.
So for closing this card, do i have to raise any closure request or just not activating the card would do?

Better activate the card, else BOB is such a institution it will never give cc if availed earlier.
You will keep facing rejection.
After one year, mail your income docs and get the limit enhanced.
Also, BOB Premier upgrade will require min 1 Lac limit.

BOB never gives huge credit limit on it's card, everyone starts from 50k- 1L itself then after 1 year they increase/upgrade.

 

[steiner03]

Better activate the card, else BOB is such a institution it will never give cc if availed earlier.
You will keep facing rejection.
After one year, mail your income docs and get the limit enhanced.
Also, BOB Premier upgrade will require min 1 Lac limit.

BOB never gives huge credit limit on it's card, everyone starts from 50k- 1L itself then after 1 year they increase/upgrade.

I have Apay card with 1 lakh limit. I can get Premier with good limit via C2C.

 

[pprakash11]

I have Apay card with 1 lakh limit. I can get Premier with good limit via C2C.

Bro. Even you apply with 5 Lack card, they don't match limit. They even give you 70-80k limit.
It's completely sarkari, they dont budge anything.

If you tell them to close your card, straight away they will close. No call no retention. This is What Bob does.

See attached conversation with a person on twitter.
And cancellation email of my sister's BOB cards🤣

 

[steiner03]

Bro. Even you apply with 5 Lack card, they don't match limit. They even give you 70-80k limit.
It's completely sarkari, they dont budge anything.

If you tell them to close your card, straight away they will close. No call no retention. This is What Bob does.

See attached conversation with a person on twitter.
And cancellation email of my sister's BOB cards🤣

So it would be better to activate the card and ask for LE by submitting income documents rather than letting it expire?
I doubt I'll use this card much. I can't even use it for UPI transactions coz it's Visa card and i don't think they have a RuPay varient for Select card. I think Premier card has a RuPay varient.

 

[pprakash11]

So it would be better to activate the card and ask for LE by submitting income documents rather than letting it expire?
I doubt I'll use this card much. I can't even use it for UPI transactions coz it's Visa card and i don't think they have a RuPay varient for Select card. I think Premier card has a RuPay varient.

Yes. Only Premier and Easy have Rupay Variant.

Yes, you should accept the card & activate it, imo.
It's LTF anyway, use or don't.

For UPI, get a Tata Neu+ or ♾️ !!

 

[steiner03]

Yes. Only Premier and Easy have Rupay Variant.

Yes, you should accept the card & activate it, imo.
It's LTF anyway, use or don't.

For UPI, get a Tata Neu+ or ♾️ !!

I already have a money-back+ with HDFC. Banks are not allowing me to apply for a 2nd card. Saying non account holders can only have one card. And we should wait for an offer to get 2nd one.
Tried in Neu app, my area is not serviceable. And i am only getting fyf on them.

 

[pprakash11]

I already have a money-back+ with HDFC. Banks are not allowing me to apply for a 2nd card. Saying non account holders can only have one card. And we should wait for an offer to get 2nd one.
Tried in Neu app, my area is not serviceable. And i am only getting fyf on them.

Don't you have an account in hdfc ?

 

[steiner03]

Don't you have an account in hdfc ?

No. I have one with Axis.

 

[pprakash11]

That's why that area u serviceable is coming in TATA NEU application.
Even if your address is unserviceable, buy if your a/c is with HDFC, then you can get neu.

 

[steiner03]

That's why that area u serviceable is coming in TATA NEU application.
Even if your address is unserviceable, buy if your a/c is with HDFC, then you can get neu.

HDFC allows one core and one co-branded card. I should be able to get Tata neu card without having a bank account right?

 

[pprakash11]

HDFC allows one core and one co-branded card. I should be able to get Tata neu card without having a bank account right?

Yes. But in your case you aren't able to apply from the app, right.

 

[steiner03]

Yes. But in your case you aren't able to apply from the app, right.

Not from Tata Neu app.

 

[pprakash11]

Not from Tata Neu app.

Yeah, you can apply from website.

 

[girish]

I applied and got BoB Select credit card but the limit i got in it is very less. I wanted to keep it for bank offers but I doubt i can utilise those offers with a limit of 25k.
I don't want this card and would like to apply again, maybe for premier card after a couple of months via C2C.
I have received the Select card but I have not activated it.
So for closing this card, do i have to raise any closure request or just not activating the card would do?

already your cibil is hit, keep the card.
use for a few transactions.
within 3 months u will get an offer for additional card - snapdeal bob rupay variant

 

[Strange]

BOB is such a institution it will never give cc if availed earlier.

Are you sure about it? If I close my card, they are not gonna approve my application if I apply after 6 months or 1 year?

 

[pprakash11]

Are you sure about it? If I close my card, they are not gonna approve my application if I apply after 6 months or 1 year?

You can try.
But in my family member's case, they are not approving since have just an add-on Credit card, that also got closed.
Still not.

 

[Strange]

You can try.
But in my family member's case, they are not approving since have just an add-on Credit card, that also got closed.
Still not.

ADD-ON card is reflecting in your family members cibil report?

 

[pprakash11]

ADD-ON card is reflecting in your family members cibil report?

Yes. BOB reports add on card to add on member's CIBIL report.

 

[Strange]

Yes. BOB reports add on card to add on member's CIBIL report.

My add-on cards are not reflecting in my family members cibil report.