Looking to apply for SBI via C2C

[damn]

I was thinking of applying for an SBI card via C2C. However, I am not sure what card can one get against pre-existing limit. If anyone could provide any information on this, would really appreciate it. For example, HDFC generally gives DCB >= 5L, Millenia >= 1L, etc.

 

[D₹V]

I was thinking of applying for an SBI card via C2C. However, I am not sure what card can one get against pre-existing limit. If anyone could provide any information on this, would really appreciate it. For example, HDFC generally gives DCB >= 5L, Millenia >= 1L, etc.

As far as I know.

SBI me C2C nahi hota hai, never heard of it.

SBI ka easy funda hai, apply online, CIBIL theek hai to application process ho jaega. Then verification sahi se ho gaya to approved ho jayega.

Over leveraged ho to reject ho jaega before processing.

If you need referral, DM. Else ignore.

 

[damn]

As far as I know.

SBI me C2C nahi hota hai, never heard of it.

SBI ka easy funda hai, apply online, CIBIL theek hai to application process ho jaega. Then verification sahi se ho gaya to approved ho jayega.

Over leveraged ho to reject ho jaega before processing.

If you need referral, DM. Else ignore.

Kitna score hona chahiye approx? And overlevarage kaise calculate hota hai? Better be safe about this before applying. Kyuki abhi nayi joining ki hai ek company mein, to compensation double ho gaya approx.

 

[D₹V]

Kitna score hona chahiye approx? And overlevarage kaise calculate hota hai? Better be safe about this before applying. Kyuki abhi nayi joining ki hai ek company mein, to compensation double ho gaya approx.

750+
Approx less than 10 accounts.
To mil jaega easily.
For self employed minimum age 25.
Salaried 21.

 

[damn]

750+
Approx less than 10 accounts.
To mil jaega easily.
For self employed minimum age 25.
Salaried 21.

Thanks
One more question - 10 accounts mein cards only yaa loan included?

 

[Anindya98]

Thanks
One more question - 10 accounts mein cards only yaa loan included?

To the best of my knowledge, SBI counts everything under loan, including credit card limits.

 

[damn]

To the best of my knowledge, SBI counts everything under loan, including credit card limits.

Understood; well, right now, I am over limit then; will look into it to see if I can reduce the total count

Thanks though

 

[damn]

Just one more question; mere account number is all that matters or limit given to you cumulatively?

 

[Anindya98]

Just one more question; mere account number is all that matters or limit given to you cumulatively?

Total limit across all accounts.
For example, you can have 10 cards with a 5L limit in total and get SBI cards on the other hand with 3 cards 15L limit, SBI thinks you are overleveraged.

 

[hender]

Total limit across all accounts.
For example, you can have 10 cards with a 5L limit in total and get SBI cards on the other hand with 3 cards 15L limit, SBI thinks you are overleveraged.

How to calculate -
Total 4 cards
HDFC Millennia 2 Lakh + Floater Tata Neu 2 Lakh(Shared Limit)
ICICI Apay 2 Lakh + ICICI Coral 2 Lakhs(Shared Limit)
2+2+2+2 ?
Or is it 2 Laks with HDFC, 2 with ICICI !!

 

[Anindya98]

How to calculate -
Total 4 cards
HDFC Millennia 2 Lakh + Floater Tata Neu 2 Lakh(Shared Limit)
ICICI Apay 2 Lakh + ICICI Coral 2 Lakhs(Shared Limit)
2+2+2+2 ?
Or is it 2 Laks with HDFC, 2 with ICICI !!

They will fetch the limit from CIBIL directly. They will not take any individual card or bank limit.
For example,
Axis 3 cards: 2L + 2L + 2L gets reported every month they will take total 6L
ICICI 3 cards: 5L (Apay) + 5L(Coral + Rubyx) = 10L will be reported.
SBI will directly get 16L from CIBIL

 

[damn]

Total limit across all accounts.
For example, you can have 10 cards with a 5L limit in total and get SBI cards on the other hand with 3 cards 15L limit, SBI thinks you are overleveraged.

So how is overleveraged calculated?
I have an estimated ITR amount of Rs 13L per annum. So at what loan amount do I become overleveraged? 2 times or 3 times?
I understand this is internal policy thing, but asking for reference.

 

[Anindya98]

So how is overleveraged calculated?
I have an estimated ITR amount of Rs 13L per annum. So at what loan amount do I become overleveraged? 2 times or 3 times?
I understand this is internal policy thing, but asking for reference.

20L should work for you

 

[damn]

20L should work for you

Understood; thanks for the update.