User Experience: SBI Credit Card Application Process Using Sprint Website

[helloworld]

The following outlines the application process through SBICards Sprint, based on a sample user's experience. Please note that individual experiences may vary.

1. Application Submission:
   • The user applied for a credit card through the SBICards Sprint platform.
   • The application ended with the message: "Need more information."
     
2. CIBIL Enquiry:
   • A CIBIL enquiry was observed shortly after application submission.
     
3. Additional Information Submission:
   • The user faced issues submitting additional information due to a bug related to office and income details.
     
4. Verification Call:
   • An agent contacted the user and scheduled a biometric verification through Aadhar with a field executive sent by SBI.
     
5. Application Status:
   • The application status remained pending for some time.
     
6. Reapplication Process:
   • The user received another call from a different agent, who requested to dictate all details to create a new application using the same application number and request an APPCODE.
   • The APPCODE was confirmed, and the application was submitted successfully.
     
7. Second CIBIL Enquiry:
   • Another CIBIL enquiry was initiated during this process.
     
8. Verification In Progress:
   • The status changed to "Verification In Progress," with the user receiving notifications such as "11 days waiting" and "re-attempt to verify details."
   • The user received daily messages stating "we tried to reach you, re-attempt to verify details," sometimes accompanied by calls.
     
9. Final Verification Call:
   • The user received a verification call to confirm a few details from the application.
     
10. Application Approval:
    • The user received an approval message, which included only the last four digits of the credit card (no virtual card option provided).
      
11. Card Protection Offer:
    • Another call was received regarding card protection, but the user declined the offer.
      
12. Card Delivery:
    • Finally, the user received courier information and obtained the physical credit card.

Do share your experience and help others. TIA!​

 

[350modena]

And bhai declared gross salary kitni hai, if you don't mind sharing ? Credit limit availed u told is 10 lacs combined (HDFC+AMEX).

Not comfortable disclosing the same but it not that high. Cibil is 792.