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Tips to apply PNB Credit Card and ways for quick approval..

Here are some pro tips :-

*(Especially for salaried customers having ITR and having good credit score ,Willing to hands on Pnb credit card)

Follow below procedures/tricks.
1.Apply online or via Referal links available on different platforms..
2.Always go for Aadhar mentioned address as permanent and current address. your office address will be as where you are working.
3.Always try to apply in early morning time(For e.g between 0800 to 1000 hrs) so that VKYC could be done on same day.
4.Keep all your documents like bank account statement,ITR's,Salary slips ,Pan,Aadhar etc ready (Size should below 5 MB overall)
5.Apply and upload necessary documents.Further do the Vkyc Using link in SMS or mail or in continuous application process(Keep Pan and pen and paper ready).
6.Once you received KYC approval message.Next day repeating next day send one email to "creditcardpnb2@pnb.co.in" or creditcardpnb@pnb.co.in attaching your PAN ,Aadhar,Last 2 year ITR documents along with ITR acknowledgements to said mail id clearly mentioning your Application number in Subject line.e.g Additional documents for Application ref no-xxxxxxx.
7.Most probably the decision on application will be communicated to applicant in 2 to 3 days.

Hope it helps..Suggestions are welcome.
(Mine got approved in 4 days only Seems Fastest Approval.)

NOTE:-Keep all documents ready Pan colour image,and rest other in Pdf, before starting the procedure.Try to complete the whole procedure including documents upload and Vkyc in one session itself.

UPDATE 2- Those who are waiting for their physical card delivery,kindly note, if its more than 7 working days after approval message the kindly be in touch with local Dtdc courier office or Speed post office to know where about of your card and also write a mail to pnb card to know despatch details of card.

UPDTAE 3:- If you have not received any message of despatch of your card then another way to check in Pnb genie app.Open app and then select track my option and enter required details to know your despatch details with tracking id..

UPDATE 4:-The day you got the approval message from PNB ,Just download the PNB Genie App and with your Mobile number and DOB and then couple of OTP submissions and you will be able to access to complete digital card under E-Card section of app.Generate PIN for card on app itself.Note down the details and link your card at BHIM or Patym and enjoy seamlessly UPI payments through your PNB credit card even before delivery of your physical card.(Caution-Don't enable/activate Tap and pay and international transactions before delivery of your physical card).🙂🙂
 
No. You have done your part.

Just wait for their reply. If you don't get a reply in 7 working days, send follow up mail.
Will wait for 7 days then will go for RBI ombudsman. Will lodge complaint for either reconsider.

They had my credit report since day 1, if problem was multiple enquiries then why they demanded documents 2 times? It should be declined immediately or in early stage.

All other banks works on same method. They fetch credit report and if all is okay then after they demand further documents or else they rejects instantly.



@Rkr
@Nishan11
 
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Will wait for 7 days then will go for RBI ombudsman. Will lodge complaint for either reconsider or enquiry removal.

They had my credit report since day 1, if problem was multiple enquiries then why they demanded documents 2 times? It should be declined immediately or in early stage.

All other banks works on same method. They fetch credit report and if all is okay then after they demand further documents or else they rejects instantly.

Will file it with RBI and forget it forever. lastly atleast I will try for enquiry removal.😅

@Rkr
@Nishan11
Do it after 30days from the complaint raise date to bank.
 
Will wait for 7 days then will go for RBI ombudsman. Will lodge complaint for either reconsider or enquiry removal.

They had my credit report since day 1, if problem was multiple enquiries then why they demanded documents 2 times? It should be declined immediately or in early stage.

All other banks works on same method. They fetch credit report and if all is okay then after they demand further documents or else they rejects instantly.

Will file it with RBI and forget it forever. lastly atleast I will try for enquiry removal.😅

@Rkr
@Nishan11

Nothing bad in trying, but only if that matters a lot.If its just like other bank cards ,then better choose mental peace over lots of follow-ups.
 
Nothing bad in trying, but only if that matters a lot.If its just like other bank cards ,then better choose mental peace over lots of follow-ups.
Yes. Even I decided to end it ASAP.

Yesterday, They just replied my reconsideration request with same 3 line answer mail. Reason for decline. Nothing else.

So Filed RBI ombudsman complaint yesterday. Instantly after 5 min I got call from PNB. Executive just asked did I provided ITR ? I said yes and he cut down phone before I say anything.

After that no update in mail. Let's see.

The reason for escalation is I don't want to apply any card for next 6-8 month. As this was last application. So I decided to try till last option.

Who knows that this last try would helps and they consider. Maybe not repeated hassle in future for same process. What do you say @Rkr ?
 
Yes. Even I decided to end it ASAP.

Yesterday, They just replied my reconsideration request with same 3 line answer mail. Reason for decline. Nothing else.

So Filed RBI ombudsman complaint yesterday. Instantly after 5 min I got call from PNB. Executive just asked did I provided ITR ? I said yes and he cut down phone before I say anything.

After that no update in mail. Let's see.

The reason for escalation is I don't want to apply any card for next 6-8 month. As this was last application. So I decided to try till last option.

Who knows that this last try would helps and they consider. Maybe not repeated hassle in future for same process. What do you say @Rkr ?
Ok ,wait for their response.
 
Update:
I made credit inquiries disputes in cibil and 4 went in my favour and removed also. I requested for reconsideration with explanation.

PNB made second cibil inquiry today and got declined again.

Both RBI and CPGRAM complaint closed today. Recieved reply to apply fresh application after 90days.

Finally it's end. Will look for other cards at financial year end.

Thank you everyone for your replies and suggestions.

@Rkr @Nishan11 @Riyon @mrbean
 

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