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Tips to apply PNB Credit Card and ways for quick approval..

Here are some pro tips :-

*(Especially for salaried customers having ITR and having good credit score ,Willing to hands on Pnb credit card)

Follow below procedures/tricks.
1.Apply online or via Referal links available on different platforms..
2.Always go for Aadhar mentioned address as permanent and current address. your office address will be as where you are working.
3.Always try to apply in early morning time(For e.g between 0800 to 1000 hrs) so that VKYC could be done on same day.
4.Keep all your documents like bank account statement,ITR's,Salary slips ,Pan,Aadhar etc ready (Size should below 5 MB overall)
5.Apply and upload necessary documents.Further do the Vkyc Using link in SMS or mail or in continuous application process(Keep Pan and pen and paper ready).
6.Once you received KYC approval message.Next day repeating next day send one email to "creditcardpnb2@pnb.co.in" or creditcardpnb@pnb.co.in attaching your PAN ,Aadhar,Last 2 year ITR documents along with ITR acknowledgements to said mail id clearly mentioning your Application number in Subject line.e.g Additional documents for Application ref no-xxxxxxx.
7.Most probably the decision on application will be communicated to applicant in 2 to 3 days.

Hope it helps..Suggestions are welcome.
(Mine got approved in 4 days only Seems Fastest Approval.)

NOTE:-Keep all documents ready Pan colour image,and rest other in Pdf, before starting the procedure.Try to complete the whole procedure including documents upload and Vkyc in one session itself.

UPDATE 2- Those who are waiting for their physical card delivery,kindly note, if its more than 7 working days after approval message the kindly be in touch with local Dtdc courier office or Speed post office to know where about of your card and also write a mail to pnb card to know despatch details of card.

UPDTAE 3:- If you have not received any message of despatch of your card then another way to check in Pnb genie app.Open app and then select track my option and enter required details to know your despatch details with tracking id..

UPDATE 4:-The day you got the approval message from PNB ,Just download the PNB Genie App and with your Mobile number and DOB and then couple of OTP submissions and you will be able to access to complete digital card under E-Card section of app.Generate PIN for card on app itself.Note down the details and link your card at BHIM or Patym and enjoy seamlessly UPI payments through your PNB credit card even before delivery of your physical card.(Caution-Don't enable/activate Tap and pay and international transactions before delivery of your physical card).🙂🙂
 
Applied PNB Visa classic yesterday night 12AM. Completed Vkyc at 10AM. Got Vkyc approved within 2 minutes. I sent all the documents but forgot to mention for acknowledgement receipt.

Should I resend them today? @Rkr
 
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Applied BOB Visa classic yesterday night 12AM. Completed Vkyc at 10AM. Got Vkyc approved within 2 minutes. I sent all the documents but forgot to mention for acknowledgement receipt.

Should I resend them today? @Rkr
No wait for their reply.
If after few days, you haven't got any reply from BOB, then send one email. Asking for a status of the application
 
No wait for their reply.
If after few days, you haven't got any reply from BOB, then send one email. Asking for a status of the application
Thanks @Rkr for reply. Today got acknowledgement receipt mail for docs. Do they work on Sunday also ??. Hoping approval by this week itself.
 
Applied PNB Visa classic yesterday night 12AM. Completed Vkyc at 10AM. Got Vkyc approved within 2 minutes. I sent all the documents but forgot to mention for acknowledgement receipt.

Should I resend them today? @Rkr
My mistake @Rkr. PNB Visa classic not BOB. Rectified. Thanks anyway. Just for you info, This is only repeating only thread which have proper solution on internet today for PNB approvals. even after more than 2 years. Kudos to you.
 
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I have got rupay select nearly after 1month somedays back.
First i have done the vkyc but i didnt receive the confirmation msg so again i have to do the vkyc. Thats why it took so long.
 
Yesterday again got application discrepant massage. They again demanded ITR after acknowledging my previous mail which have already both ITR attached. Anyway sent again yesterday, let's see how it goes.
 
I have got rupay select nearly after 1month somedays back.
First i have done the vkyc but i didnt receive the confirmation msg so again i have to do the vkyc. Thats why it took so long.
What was provisional limit shown. What is actual limit got. ITR amount ??
 
Card got declined after 11 days. Reason given is- More than 10 credit inquiries in last 3 month.

Mailed them with explanation and requested for reconsideration. Hope they will agree.

@Rkr @Riyon
 
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Reactions: Rkr
Sad to know.Reconsideration from PSU ,very least hope.Still have a try.
Let us know the outcome.
Sad part is reason they gave is genuine and i have only 12 enquiries (2 more than their criteria of 10 in 3 months) including PNB. Made a dispute for 3 inquries already as I have cibil premium.

Most of cards have been declined due to not having 2 ITR. 21st July I completed latest ITR and after that I have only 2 enquiries.

Also, specially Mentioned that on 30 june, I have closed my SBI card on approval day itself due to mis-selling. i have made this enquiries with proper financial planning which doesn't indicates reckless and irresponsible borrowings.

Gave them proper and brief explanation with attached latest updated credit report. Let's see, chances are tiny but why shouldn't we try.

@Rkr
 
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Sad part is reason they gave is genuine and i have only 12 enquiries (2 more than their criteria of 10 in 3 months) including PNB. Made a dispute for 3 inquries already as I have cibil premium.

Most of cards have been declined due to not having 2 ITR. 21st July I completed latest ITR and after that I have only 2 enquiries.

Also, specially Mentioned that on 30 june, I have closed my SBI card on approval day itself due to mis-selling. i have made this enquiries with proper financial planning which doesn't indicates reckless and irresponsible borrowings.

Gave them proper and brief explanation with attached latest updated credit report. Let's see, chances are tiny but why shouldn't we try.

@Rkr
I had 18 enquiries in 3 months when I got this card last year in MAY 2024.

Just sent latest ITR, SALARY Slips & Salary credit bank statement of 6 months.

They are lenient as per their convenience.
 
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