SBI CIBIL inquiry

[Shiv]

Hi, I recently got SBI PhonePe card with limit of 1.29L. I want to apply a SBI core credit card. On sbi netbanking and yono app, some cards are preapproved for me.
My question is if I apply via pre-approved offer on net banking or yono app, will there be any cibil inquiry as I already crossed 29 inquiries till date?
And how the limit works for sbi card - shared or split?

 

[GABBA₹]

On sbi netbanking and yono app, some cards are preapproved for me.

Those are not pre-approved. Those are prequalified.

will there be any cibil inquiry as I already crossed 29 inquiries till date?

Yes

And how the limit works for sbi card - shared or split?

Split

Also the card application will be rejected instantly as there is a cool down period after approval of a card. (Probably of 90 days)

 

[Aniket Sharma]

Hi, I recently got SBI PhonePe card with limit of 1.29L. I want to apply a SBI core credit card. On sbi netbanking and yono app, some cards are preapproved for me.
My question is if I apply via pre-approved offer on net banking or yono app, will there be any cibil inquiry as I already crossed 29 inquiries till date?
And how the limit works for sbi card - shared or split?

Yes, it happens.

 

[Shiv]

Those are not pre-approved. Those are prequalified.

Yes

Split

Also the card application will be rejected instantly as there is a cool down period after approval of a card. (Probably of 90 days)

Okay, so I will wait 3 months for second sbi card. If SBI PhonePe card works on upcoming amazon sale, then it won't be necessary to apply second sbi card.