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Anyone got SBI Cashback Credit Card Over Leverage issue fixed? Let's close cards??

Sobirvs

TF Ace
Well I was at SBI branch for my savings account and talked to a guy (actually 2 guys, 2 diff brances) and I got something from his phone, it was from his training manual.

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Now I have probably ~25 credit cards(some on shared limit). CIBIL report says I have 21 credit cards. How the hell should we fix overleveraged issue fixed? Has anyone been able to do so? I am not asking someone who got declined because of other reasons(like my mom got declined for cashback coz mobile number match - my number is on her INB). I am saying, has anyone able to fix this? Like may be closed some cards or something? If I am let's say file 7L ITR, my alone ICICI and SBI(simplyclick) card limits will be more than my income (5L+3.95L) Does that mean I should close my all other cards and still there is no guarantee I will get cashback card no? I am sure many here have credit cards 10x above their income and still they are able to get cashback card.

Now what about shared cards? for example I have 7 ICICI cards (rupay/coral/rubyx mc-amex/sapphiro mc-amex/apay) but at CIBIL it shows only 2 cards. Probably coz apay and coral are reported and all rubyx/sapp/rupay all are under coral. Strange I though even apay is under my core icici cards but it's not. I used to have same limit with core icici card and apay 3-4 yrs back and now my apay limit is 5L and core card limit is 4.7L. Anyways, my question is if I keep apay and umm coral and close all others, does that mean it will help? ICICI will still report to CIBIL as 2 cards no? So does that mean I should close cards only who are shows as separate??

Damn Amex also report seperately at CIBIL, even kotak too. Why some banks report cards as one and some don't??

Anyways, if someone was able to fix over leveraged issue and how, let me and all of us know?
 
did u refresh/update ur cibil? I have paid cibil subscription so it gives me option to refresh, but for non paid customers, u can update/refresh only once a year for free. If u have paid and u refreshed, chk when the data was reported for ur icici card.
ha bhai every month through CRED, paytm i refresh my CIBIL score, it is not getting reflected in any of them.
 
I have brought back my total credit limit below my annual income (in cibil record) after closing 3 hdfc cards,1 axis card,1 idfc card, and decreasing icici limit to 50% . I already hold Sbi Simplisave . Now is there any hope of getting Sbi Cashback?
I hope when u say annual income, u mean the ITR that you file. Without ITR record, it's meaningless. Also you are asking me who have been denied sbi cashback 3 times already coz of overleveraged. Idk about approval but it should def be approved. If it's been more than 3 months (6 months to be safe) of the last decline, try it and see if it works. Also, do you have a diff SBI card already? I have always wondered how SBI knows my income when I have never provided them my ITR as CIBIL never reports it, nevertheless probably they have it as I have a SBI simplyclick under my name so who knows.

I have closed more than 8 cards myself for damn SBI cashback lol, and now I even have infinia (add on under my brother's primary) so sbi cashback card is meaningless for me tbh even though I already have sbi cashback (again add on under my SIL primary) but my OCD will make sure I close even more cards to get cashback card.
 
I hope when u say annual income, u mean the ITR that you file. Without ITR record, it's meaningless. Also you are asking me who have been denied sbi cashback 3 times already coz of overleveraged. Idk about approval but it should def be approved. If it's been more than 3 months (6 months to be safe) of the last decline, try it and see if it works. Also, do you have a diff SBI card already? I have always wondered how SBI knows my income when I have never provided them my ITR as CIBIL never reports it, nevertheless probably they have it as I have a SBI simplyclick under my name so who knows.

I have closed more than 8 cards myself for damn SBI cashback lol, and now I even have infinia (add on under my brother's primary) so sbi cashback card is meaningless for me tbh even though I already have sbi cashback (again add on under my SIL primary) but my OCD will make sure I close even more cards to get cashback card.
i aslo closed 8 cards for sbi but still meaningless.will try in june 25 let see
 
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