abythomas557
TF Buzz
Hi,
Can any one share the experience with Punjab national bank credit cards?
Can any one share the experience with Punjab national bank credit cards?
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PNB Credit cards experience | Application process and time
- Thread starter abythomas557
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- pnb credit card
Don't know much about it. Checkout on their website maybe more information there.
mrbean
TF Premier
Bro any update regarding your application
mrbean
TF Premier
I found a bug in PNB Credit card portal.
The portal only recognise Existing Bank Account customer if the entire application is completed in single stretch.If resume option used then the account details will be lost in application.
I have submitted new application in single stretch using bank account details and Uploaded Last Four Years ITR(In order to avoid discrepancy).
Got a VKYC required message and Try to complete VKYC .The portal is showing as VKYC already completed.
The same status is showing in PNB Genie App as ETB Customer NO VKYC.
Applied for PNB Rupay Platinum card and all other card required minimum 2.5L income.
mrbean
TF Premier
In application page the minimum annual income required is 1.20L
Nice one. Anyhow you got out of that Vkyc shit. That's good news as of now. Best of luck this time. @mrbean
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Still waiting. Exact status is your application is under credit review. @mrbean. Hopefully approval on Monday. Let's see.
Probably it will be approved because if not eligible then it would have been rejected on early credit assessment phase like yours. Will get some news on Monday. hoping best but already prepared for worst...😀
mrbean
TF Premier
Yes .Some users face vkyc approval pending issue also
mrbean
TF Premier
Right,They are still following desk by desk processing.
I have uploaded last 4years ITR to avoid discrepancy.If genuinely want credit card customers surely the approval but their behaviour looks like donot want any customers
mrbean
TF Premier
I think they calculate income by average of 2years ITR.May be they calculate 30k or below limit to me.
The rupay platinum card require minimum 50k limit and rest of the below variant card required 25k.
Bank of Baroda is far better than shitty PNB
Applied BOB but got instant rejected without CIBIL hit. So never tried again. I have two IDFC wow secured10k and HDFC Swiggy 63k.
What is your card portfolio with total limit? May be they are considering your all limit together and debt to income ratio as over leveraged. SBI also do same things. @mrbean
mrbean
TF Premier
Actually My last year ITR is 2.18L maybe this is creating issue with PNB
Hmm. Probably... This time it will be approved i guess
mrbean
TF Premier
Maybe.
But you can try applying for Canara Bank credit card offline.I have opened new bank account there and proceed for credit card application.There entire application process is handled at branch according to my knowledge.
I got canara Credit card 25k limit from branch on 2023. just submit ITR, Computation and Bank statement.
They checked my CIBIL Report infront me and approved the application The branch manager was leave due to covid.The application is approved by ABM and ABM can only approve limit 25k and BM can Approve limit upto 50k.
For higher limit application can be forward to higher levels.
mrbean
TF Premier
PNB Credit Limit Ranges
Attachments
I think canara is only giving CC to exiting customer only.
mrbean
TF Premier
Basically it is branch manager discretion and if the branch having higher NPA rate above threshold then they will not accept application.
Also they require and active saving account which can be new or old.The customer id is mandatory for processing credit card application.
I have contacted 2 Canara Bank branch but only 1 branch replied positively.They also provide pre-approved credit cards
It is better to communicate with Branch Manager directly.
You can visit https://canarabank.com/credit-cards and download their internal credit card policy for further details.
Nowadays they provide discounts on Amazon.
Hmm. May be in future...currently waiting for this GOAT 🏦 Pnb.....😂
mrbean
TF Premier
I Think the PNB Customer care is working on Sunday also.
I have received a email on Last Sunday.
I know bro..Last Sunday I also received acknowledgement receipt on mail at 3.04PM. @mrbean . May be festival is ahead that's why maybe they are doing holiday shift. Generally PSU bank do this to clear backlogs.
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