• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

How to get sbi credit card?

Apply For Lifetime Free IDFC First Credit Card
D

Deleted member 21242

TF Buzz
I have credit card from almost all top banks, all being unsecured, 2 yr credit history, cibil 775, I applied for SBI card multiple times, but they always throw instant rejection and unnecessary cibil hit. I have income proof, multiple FDs in my SBI a/c, how to get a credit card approved without branch visit?
 
Sort by date Sort by votes
D₹V

D₹V

TF Prestige
Upvote 0 Downvote
S

Swapnil___M_

TF Buzz
skp.me said:
I have credit card from almost all top banks, all being unsecured, 2 yr credit history, cibil 775, I applied for SBI card multiple times, but they always throw instant rejection and unnecessary cibil hit. I have income proof, multiple FDs in my SBI a/c, how to get a credit card approved without branch visit?
Click to expand...
I also have credit cards from most of the banks, however SBI rejected my application immediately even after i tried to apply through an agent.
 
Upvote 0 Downvote
S

Swapnil___M_

TF Buzz
D₹V said:
Age can be factor here.

SE below 25 are not eligible for SBI CC.

Also, having much card is the reason of rejection due to much limit approved respect to income.

That's why system throws instant decline.

If you contact an agent offline, he can see the reason of rejection (a little bit) using Pan details.

GN.
Click to expand...
The agent will not disclose the reason for the decline.
When i asked an agent, she responded that my last application was rejected due to an active loan in Cibil.
i do not have any active loans in Cibil.

My understanding is that if the overall credit card limit exceeds 20 lakhs, the application will be rejected by the SBI immediately
 
Upvote 0 Downvote
D₹V

D₹V

TF Prestige
Swapnil___M_ said:
The agent will not disclose the reason for the decline.
When i asked an agent, she responded that my last application was rejected due to an active loan in Cibil.
i do not have any active loans in Cibil.

My understanding is that if the overall credit card limit exceeds 20 lakhs, the application will be rejected by the SBI immediately
Click to expand...
Agent I know, disclosed.
 
Upvote 0 Downvote
V

vijay.vj

TF Ace
Swapnil___M_ said:
The agent will not disclose the reason for the decline.
When i asked an agent, she responded that my last application was rejected due to an active loan in Cibil.
i do not have any active loans in Cibil.

My understanding is that if the overall credit card limit exceeds 20 lakhs, the application will be rejected by the SBI immediately
Click to expand...
This is not true... at least in my case.

I applied to SBI card last week and got it delivered yesterday. My combined cc limit is way higher then 20L.

I think they might reject if you are over leveraged on credit limit considering your income.

I got limit of 1.25L from SBI
 
Upvote 0 Downvote
NShah

NShah

TF Legend
Contributor
Upvote 0 Downvote
You must log in or register to reply here.
Apply For SBI Cashback Credit Card

Similar threads

chiggybansal1
  • Question
How to get SBI Cashback Credit Card if you are already holding 3 SBI credit cards
Replies
4
Views
927
Vasuki
Vasuki
Vasuki
  • Question
How to get limit increase in Paytm sbi ?
Replies
11
Views
607
ritwik2000
ritwik2000
C
  • Question
It's being tough to get SBI BPCL OCTANE card for me any suggestions?
Replies
3
Views
150
NShah
NShah
BRB
  • Question
SBI Closed card how to delete from SBI Card APP
2
Replies
38
Views
2K
vine
vine
champaklal
  • Question
How does SBI Cards profit from SBI Cashback holders?
Replies
10
Views
967
ragveer
R
Top