Check SBI credit card actual rejection reason

[ontherocks]

If you got a nonsensical or vague reason for SBI credit card rejection like for e.g. "due to internal policy", etc., you can check the real reason via an SBI credit card executive. These people roam around SBI branches, malls, airports, petrol pumps, etc.
They have a mobile app called PowerPlay. The app is not available for end users.
After opening the PowerPlay app, there are forms to apply for different SBI credit cards. Select a random credit card to apply. In the application form there is a text box to enter PAN number and a button below it that says "PAN Dedupe". Enter the PAN number and click the button "PAN Dedupe". No other details need to entered. There is no CIBIL hit. You will get details of all SBI credit cards applied against that PAN number with the details of rejection/selection under "Status" and "Reason Code".
The code can looked up further in the attached PowerPoint slides which has some common rejection codes. The slides mention ways to fix the issues and the cooling period.
There is one more attachment with all the rejection codes for reference. But its of no use as it doesn't mention the corrective measures.

 

[aniketkr.sharma]

What's the income to cl ratio. Mine got rejected for the same reason even though it was showing as pre approved apparently. SBI cashback card is the only single card which has been this painful bs. My CL is way high like 45 lacs and with total number of cards around 20 so I don't think they would approve mine untill I get maybe 40-50 lpa stage by when the CL would be even higher 😂

They never asked income docs

 

[Rakshitk99]

They never asked income docs

That's the issue. They just see multiple cards and high credit limit and reject. Stupid system