SBI Cashback Card instant rejection for salaried employee

[TechVin]

So my mom got pre-approved SBI credit card offer on her banking account (onlinesbi.sbi). Hence, I was applying for Cashback card for her. She is a PSU employee and her salary account is SBI.
However, I got below error (instant rejection??) when I submitted the application:



Further, I see below error in her banking account if I try to re-apply:



Both are having different error code, I'm not able to figure out the rejection reason.
Can someone who know this shed light on this and what should be my next steps?

PS:
1. She doesn't have any credit card in her name till now, so rejection for duplicate/2nd card is ruled out.
2. She never had any kind of loans, credit cards, or EMI cards in her name. So there is no CIBIL score for her.

 

[Astromit]

Most probably, not having credit score is the reason of rejection.

 

[TechVin]

Most probably, not having credit score is the reason of rejection.

But how to solve this chicken and egg problem ? How can I get her some credit score without credit score!

 

[zomatoo]

But how to solve this chicken and egg problem ? How can I get her some credit score without credit score!

Fd cards, gold loans

 

[sandipnandi16]

Sbi has very stringent policy. My dad applied for 1st credit card with SBI at a age of 38 years he was central government employee with all his savings n salary account in that bank it was rejected, they approved it for 2nd time when he visited branch for passbook update

They also see the age of the applicant

I applied for SBI with just 20k in hand salary at the age of 25 it was approved easily

My suggestion is whenever you are applying SBI cars for 1st time never do it online, visit your home branch everyone has a target so they will easily approve youe card

 

[Friedrice]

Sbi does not offer any pre approved credit card to customers who don't already have sbi card. It must be pre qualified check again and they show pre qualified option(which doesn't mean anything) to each and every customer.

 

[TechVin]

Sbi has very stringent policy. My dad applied for 1st credit card with SBI at a age of 38 years he was central government employee with all his savings n salary account in that bank it was rejected, they approved it for 2nd time when he visited branch for passbook update

They also see the age of the applicant

I applied for SBI with just 20k in hand salary at the age of 25 it was approved easily

My suggestion is whenever you are applying SBI cars for 1st time never do it online, visit your home branch everyone has a target so they will easily approve youe card

Yeah will check at home branch after a month or so.

 

[Rajatarora636]

So my mom got pre-approved SBI credit card offer on her banking account (onlinesbi.sbi). Hence, I was applying for Cashback card for her. She is a PSU employee and her salary account is SBI.
However, I got below error (instant rejection??) when I submitted the application:
View attachment 102762


Further, I see below error in her banking account if I try to re-apply:
View attachment 102763


Both are having different error code, I'm not able to figure out the rejection reason.
Can someone who know this shed light on this and what should be my next steps?

PS:
1. She doesn't have any credit card in her name till now, so rejection for duplicate/2nd card is ruled out.
2. She never had any kind of loans, credit cards, or EMI cards in her name. So there is no CIBIL score for her.

They have all the shit resoan i have infinia metal axis top cards stancy indusind wealth account in sbi and 100 me se 2 percent utilizatiion ration fir bhi rejected internal policy kah kar reject kardiya

 

[Akash Topder]

But how to solve this chicken and egg problem ? How can I get her some credit score without credit score!

FD CCs. There are some good FD CCs these days.

 

[DimeEarner]

Sbi not Accept applications from this channel you have to apply thru spring portal

When I went to branch to apply for simply save the agent told this when I asked


I think no cibil enquiry you can cross verify

 

[amroc]

But how to solve this chicken and egg problem ? How can I get her some credit score without credit score!

FD based credit cards. There are a lot in the market so please do a bit of research on these FD card benefits because some are useless.

Or you can apply for ICICI Bank Platinum LTF credit card online/visiting bank or HDFC Bank credit card by visiting bank. These banks should give non FD cards I think.

 

[Slayer]

Cashback card is only issued via Sprint

 

[Dazzwilliams]

But how to solve this chicken and egg problem ? How can I get her some credit score without credit score!

Take suryoday or any other FD based credit card to build up credit score.
And don't keep applying to other cards, they'll surely be rejected as she doesn't have any credit score

 

[amroc]

Take suryoday or any other FD based credit card to build up credit score.
And don't keep applying to other cards, they'll surely be rejected as she doesn't have any credit score

Yup Suryoday will give the best FD rates. In response its FD credit card (Stable Money CC) is almost useless in terms of rewards (0.5% only).