SBIs reasoning is suggesting that I can never get a card from SBI...how can I get even simplyclick or save from SBI?!?

[Joltpost]

Based on their wording this is what the grievance team said.

we wish to inform you that we are unable to reconsider your application. Unfortunately, the details you provided do not align with our internal policies for credit card issuance.
Please note that the reason for the decline of your application due to irregular payments were recorded on your previous credit card account ending with XXXX.

Further, the reason for the decline of your application is purely a business decision made in good faith and is in no way indicative of your creditworthiness.

We appreciate your understanding in this matter and thank you for considering SBI Card.

So what...for a card I did late payment like 10 years ago is something that they will consider rejecting over and over again despite my cibil score at 794( which they never did an enquiry on sprint) and even paying my bills on time for non sbi cards still doesn't matter because they will taint the 10 year scenario all the time and I will never be able to get any SBI card.

How am I suppose to get an SBI card at this point? I don't even care about the Cashback one or their phone pe one but even getting simplysave or click makes it impossible.

That sprint will always give an automatic rejection no matter how many times I apply it from there because it never does a hard enquiry.

 

[Beyond]

Based on their wording this is what the grievance team said.




So what...for a card I did late payment like 10 years ago is something that they will consider rejecting over and over again despite my cibil score at 794( which they never did an enquiry on sprint) and even paying my bills on time for non sbi cards still doesn't matter because they will taint the 10 year scenario all the time and I will never be able to get any SBI card.

How am I suppose to get an SBI card at this point? I don't even care about the Cashback one or their phone pe one but even getting simplysave or click makes it impossible.

That sprint will always give an automatic rejection no matter how many times I apply it from there because it never does a hard enquiry.

Ask your old bank for removal of late payment, depending on your existing relationship they might actually remove
Somebody in this forum tried it with axis, but they asked some charge for it

 

[Joltpost]

Ask your old bank for removal of late payment, depending on your existing relationship they might actually remove
Somebody in this forum tried it with axis, but they asked some charge for it

Wait..can that actually be done?

 

[Aniket Sharma]

Based on their wording this is what the grievance team said.




So what...for a card I did late payment like 10 years ago is something that they will consider rejecting over and over again despite my cibil score at 794( which they never did an enquiry on sprint) and even paying my bills on time for non sbi cards still doesn't matter because they will taint the 10 year scenario all the time and I will never be able to get any SBI card.

How am I suppose to get an SBI card at this point? I don't even care about the Cashback one or their phone pe one but even getting simplysave or click makes it impossible.

That sprint will always give an automatic rejection no matter how many times I apply it from there because it never does a hard enquiry.

Don't panic, you may try offline agents and they can provide you the card with offline alternative approach, just consult with a credit card executive (try connecting with there manager) in bank.

They will definitely make it done for you any card

 

[RAMESH BABU N]

Don't take it too seriously.

Don't do anything for 6 months. Seek the help of an agent in your nearby SBI Branch. If you have an SBI account, reach out to their agent in that branch. If no such agent, talk to the BM of your branch. Offline is the best option for you.

 

[Beyond]

Wait..can that actually be done?

Yes, just search about this, else you may try offline agent too

 

[AlooDum]

Don't panic, you may try offline agents and they can provide you the card with offline alternative approach, just consult with a credit card executive (try connecting with there manager) in bank.

They will definitely make it done for you any card

can we solve over leverage issue with offline agents?

 

[Aniket Sharma]

can we solve over leverage issue with offline agents?

Not for the cards that are available only online.

They will provide offline cards.

 

[AlooDum]

Not for the cards that are available only online.

They will provide offline cards.

which is the offline SBI credit card

 

[Aniket Sharma]

which is the offline SBI credit card

You can connect with them, they have the list

 

[Joltpost]

I went to my nearest branch. This agent said to wait for a few weeks for the cooldown and he can apply me a credit card.

I wonder how it works.

 

[AlooDum]

I went to my nearest branch. This agent said to wait for a few weeks for the cooldown and he can apply me a credit card.

I wonder how it works.

Please ask if he can provide credit card for over leverage case also?

 

[Joltpost]

Ok I got a question.

My father's number is in my SBI bank account but my Addhar number is different and matches to my ICICI bank account. Will the agent still be able to apply for me a credit card without the Yono SBI app?

 

[Aniket Sharma]

Ok I got a question.

My father's number is in my SBI bank account but my Addhar number is different and matches to my ICICI bank account. Will the agent still be able to apply for me a credit card without the Yono SBI app?

I went online for this & card was approved.

 

[Joltpost]

I went online for this & card was approved.

So the agent can still help with the application? Whether its for offline or online?

 

[Aniket Sharma]

So the agent can still help with the application? Whether its for offline or online?

For that scenario, only if that card is available offline

 

[AlooDum]

For that scenario, only if that card is available offline

for the last time asking what are the offline cards?? can you name any one

 

[Aniket Sharma]

for the last time asking what are the offline cards?? can you name any one

Sbi simplysave, simplyclick etc they can give you

 

[AlooDum]

Sbi simplysave, simplyclick etc they can give you

even if i'm overleveraged?

 

[chinnodu]

for the last time asking what are the offline cards?? can you name any one

There no separate offline and online cards. Cards are same. You can apply them online or even offline by filling physical application form through Bank RM. Online and offline are the two different ways to apply cards. Cards are same.