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.

 

[Sobirvs]

BHAI finally 2 saal baad over leverage se bahar aaya

how u defeated over leverage?

 

[ontherocks]

BHAI finally 2 saal baad over leverage se bahar aaya tha me or soft approvel mil gaya tha then kyc kari agent se or phir home varification hua office varification 2 tele varification hue or phir card declined hua😛 agent se pucha to bol raha he F55 me declined hua tmne kuch galat bataya phone par mene recording send kari sb sahi bataya hua patani yaar sbi walo ko kya dikkat he or F55 He kya

As per the attached sheet in OP, it says "DATABASE DEFAULTER". Only the people who have written the algorithm would know what that means.

 

[Aniket Sharma]

As per the attached sheet in OP, it says "DATABASE DEFAULTER". Only the people who have written the algorithm would know what that means.

View attachment 100455

This means you are defaulter, check your cibil this might be there too

 

[Boy 07]

This means you are defaulter, check your cibil this might be there too

I did not do any default in my cibil history I have 777 Cibil attached proof with good payment history .as per agent there is mis Communication between you and tele varification main call you told something different which you have submitted in application .I did email to PNO let see what he reply

 

[Boy 07]

As per the attached sheet in OP, it says "DATABASE DEFAULTER". Only the people who have written the algorithm would know what that means.

View attachment 100455

I emailed to PNO to reconsideration I sure he will not then wil ask for reason

 

[ontherocks]

I emailed to PNO to reconsideration I sure he will not then wil ask for reason

If you ask for the reason, you will get the same answer. No one in SBI knows the real human readable reason behind obscure error codes and they are lazy enough to not care about asking the development team to provide human readable reason.

 

[Boy 07]

If you ask for the reason, you will get the same answer. No one in SBI knows the real human readable reason behind obscure error codes and they are lazy enough to not care about asking the development team to provide human readable reason.

I emailed for reconsideration is there any chance ?

 

[ontherocks]

I emailed for reconsideration is there any chance ?

Going by what people have mentioned, looks like its just luck. You just have to wait & watch.

 

[anantnitish]

Lots of useful information

 

[Shobhit Srivastava]

I have been declined when my total cc's were 16~ and cl was 65L.

And declined again when cc's were 8 and CL was 29L

declined yet again when cc's were 6 and CL was 21L.

I am already a sbi savings acc customer + 6yro sbi simply click customer WITH 3.94L CL.

ITR is b/w 5-10L.

I have got mine when having above 18 active cards, but recently declined for 3rd SBI CC when active 28 cards

 

[spd]

I have been declined when my total cc's were 16~ and cl was 65L.

And declined again when cc's were 8 and CL was 29L

declined yet again when cc's were 6 and CL was 21L.

I am already a sbi savings acc customer + 6yro sbi simply click customer WITH 3.94L CL.

ITR is b/w 5-10L.

Maybe u have to opt for share limit option I think... As u already have sbi with 3.94L... with split (shared) limit it will be easily accepted...
As I got my 2nd sbi card when I have 20 cc account... I got 2nd card with split limit ( i divided my primary card limit into 2 )

 

[spd]

Address I always put same, it actually auth fetches from aadhar anyways.

I have tried with diff ph no, same issue, overleveraged.

May be I can change my no right now and after 3 mmonths when I apply, apply from the new no. and later if approved change it back to primary/main no? idk

I whatsapp'ed sbicard guy who has the app to chk overleveraged, always replies me within few seconds with screenshot of the decline. Very nice guy. He sent me this. Previously too he has sent me these ss's.

View attachment 99904

Your getting this error over leverage maybe because of your sbi primary card limit I think... Which is near to 4 lakh... Which is high with sbi bank when compared to ur itr...

 

[spd]

I have been declined when my total cc's were 16~ and cl was 65L.

And declined again when cc's were 8 and CL was 29L

declined yet again when cc's were 6 and CL was 21L.

I am already a sbi savings acc customer + 6yro sbi simply click customer WITH 3.94L CL.

ITR is b/w 5-10L.

U can easily get ur card with shared(split)limit try to mail them reconsider my application (in mail by mentioning ur relation and if necessary iam giving consent to split my limit of primary card to this card and accept.. like that u have to mention them clearly... ) if it's private bank it will be easily accepted... But it's psu bank... If they understand ur problem they will easily do it... Otherwise they will give bot responses...