SBI Credit card cooling period.

[mvsaikrishna666]

I've applied for SBI Credit card in May-2022 and got SBI SimplyClick card. But I got very less credit limit than my other credit cards. So I rejected SBI Card at delivery. When Can I again apply for SBI Credit card?

 

[Ranger]

Dont share anything.... Very less chance of card approval.. Plus every week u will receive whatsapp message of ramdom agents from yes bank, indusind bank for cc.. They share the data....

Thing is i shared my name (not full name) and stuff plus the pan card number in the call. Should not be much problem i guess?

 

[ujjawal]

View attachment 2287View attachment 2288
Legit?

This looks suspicious, he is saying he can't accept kyc documents through mail but can accept salary slips and other bank documents.

 

[Pramtesh]

SBI gives excellent limit enhancements
You shouldn't have rejected at delivery

In my case. I disagree. I am using simply save since 4 years. Limit was 410K. Last few months ago I received limit enhancement of just 10K=420K.

 

[Ranger]

This looks suspicious, he is saying he can't accept kyc documents through mail but can accept salary slips and other bank documents.

Ya i thought the same

 

[Dr. Drake]

Don't worry SBI is excellent with limit enhancements

Completely disagree using it since 6years 20k -> 45k -> 105k -> 160k no limit enhancement since almost 15months

 

[Avijeet]

My SBI Cashback was approved on 27th Oct ... I am unable to apply for VISTARA PRIME online....

It's taking me to a page saying



The application no. is same as SBI CASHBACK's

 

[binno]

You can apply from website or agent again..normal website not sprint website . Agent can apply n number of times

i got simply click last month but i want cashback .. can i apply ? through sprint ?

 

[Deleted member 13721]

i got simply click last month but i want cashback .. can i apply ? through sprint ?

After 3 months only, it is possible to apply.

 

[Batmanbaba]

i got simply click last month but i want cashback .. can i apply ? through sprint ?

if ur last application was succesful...then u have to wait for 90 days....in case of rejection...there is no cooling period

 

[binno]

if ur last application was succesful...then u have to wait for 90 days....in case of rejection...there is no cooling period

it was approved … can i apply through agent before that ? why do most of them suggest to apply through agent ? what’s the benefit. ?

 

[Batmanbaba]

it was approved … can i apply through agent before that ? why do most of them suggest to apply through agent ? what’s the benefit. ?

Agent mostly do all jugaad to get ur card approved.... Sbi has lot of steps.. With agents it gets a bit easy... U can try but agent just fills application... It will be rejected at backend

 

[Deleted member 13721]

it was approved … can i apply through agent before that ? why do most of them suggest to apply through agent ? what’s the benefit. ?

Just a word of caution: never apply through an SBI agent, especially those you see standing in malls. After a few months, if the same agent moves to another bank to fulfill their target, they might use your documents to apply for a credit card. The half-decent ones will at least call you and tell you that you are eligible for the XYZ Card, while the few rogue ones will simply apply without your consent. 🤣

 

[binno]

Just a word of caution: never apply through an SBI agent, especially those you see standing in malls. After a few months, if the same agent moves to another bank to fulfill their target, they might use your documents to apply for a credit card. The half-decent ones will at least call you and tell you that you are eligible for the XYZ Card, while the few rogue ones will simply apply without your consent. 🤣

what if i apply through the same through which i did last time ?

 

[Deleted member 13721]

what if i apply through the same through which i did last time ?

You can, but I have already laid down the risks associated with applying through an agent. Just don't trust these so called SBI agents – that's all I can say. 🤣