SBI FD CREDIT CARD IN 2024

[Batmanbaba]

My credit card portfolio is currently around 14 card with two major missings i.e SBI AND KOTAK. I have tried for sbi cards 25 times....different cards...different ways..online offline,agent.......every time rejection.....two days ago applied for sbi cashback. card....rejected instantly....

So thinking of taking sbi credit card on basis of FD....AND THEN TRY TO GET A normal sbi CARD ON BASIS OF THAT.....what is the status of FD cards of sbi currenty...has anyone recently got it....what is the procedure and can it be done online.....I just want it for sales.....Once I get it....then will try to make it ltf as many have done that succesfully on this forum....

 

[Shoxie]

My credit card portfolio is currently around 14 card with two major missings i.e SBI AND KOTAK. I have tried for sbi cards 25 times....different cards...different ways..online offline,agent.......every time rejection.....two days ago applied for sbi cashback. card....rejected instantly....

So thinking of taking sbi credit card on basis of FD....AND THEN TRY TO GET A normal sbi CARD ON BASIS OF THAT.....what is the status of FD cards of sbi currenty...has anyone recently got it....what is the procedure and can it be done online.....I just want it for sales.....Once I get it....then will try to make it ltf as many have done that succesfully on this forum....

Well, SBI is probably rejecting your application because of over leverage.

I think I came across a case where a person had a lot of limit in other cards, so SBI didn't give him even a basic card, even though his salary was in multiple Lakhs. Guess something similar is happening here.

 

[Batmanbaba]

Well, SBI is probably rejecting your application because of over leverage.

I think I came across a case where a person had a lot of limit in other cards, so SBI didn't give him even a basic card, even though his salary was in multiple Lakhs. Guess something similar is happening here.

when I didnt had a single card....still they were rejecting....I have applied at every step in last 3 years......

 

[Shoxie]

when I didnt had a single card....still they were rejecting....I have applied at every step in last 3 years......

Yeah, you don't have a card with them. Even the other case that I was referring to, also didn't have any card with SBI. Sbi denied his card, just on the basis that he had too much limit sanctioned on other cards. Maybe as per their internal criteria, they consider you as overlevereged, as you already 14 cards.

 

[#aniket]

Well, SBI is probably rejecting your application because of over leverage.

I think I came across a case where a person had a lot of limit in other cards, so SBI didn't give him even a basic card, even though his salary was in multiple Lakhs. Guess something similar is happening here.

Yes on enquiring about the exact
reason from Nodal Officer, he got such reply, right?

Are you referring the same case?

 

[Shoxie]

Yes on enquiring about the exact
reason from Nodal Officer, he got such reply, right?

Are you referring the same case?

Yup, that's what I'm referring to!
@Batmanbaba , you probably should ask the nodal officer as to why exactly your applications are getting declined. Then we'll be able to figure out if something can be done.

 

[Batmanbaba]

Yup, that's what I'm referring to!
@Batmanbaba , you probably should ask the nodal officer as to why exactly your applications are getting declined. Then we'll be able to figure out if something can be done.

I asked once.... They told... Internal policies

 

[Kumar93196]

I asked once.... They told... Internal policies

Agents can see the exact reason of rejection.
So apply via them and If it gets rejected than you know the reason and how to tackle it

 

[#aniket]

I asked once.... They told... Internal policies

It seems you haven't quoted RBI guidelines and not threatened to raise complaint to RBI BO.
That's the reason.