Need SBI Vistara Prime as my 3rd SBI Card
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Hi Awesome DD Community,
I already have an LTF SimplyClick and a Paid SBI Cashback Card. I have kept SimplyClick only for SBI offers as Cashback card is mostly excluded for these purchases.
Cashback is my primary card for all things online.
Based on my new requirements, I want to get a Co-Branded Vistara card. SBI Vistara Prime is a great selection.
However, SBI keeps declining my application. I applied online as well as by agent.
I was quoted "Internal Policy" as a declination reason. The agent told me that my Credit exposure is more and hence I am being declined of the card.
I can think of a few options and would like to know what I should do:
1. Stop aiming for SBI Vistara Prime and get an IDFC Vistara card - Do you think it will also be declined because of my credit exposure?
2. Close SBI SimplyClick and wait for a month and re-apply for SBI Vistara Card.
3. Close other Credit Cards and re-apply for SBI Vistara Card.
Which route do you think is the best?
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Did u got pulse card ltf.? If yes let me know if u get joining benifits like smartwatch.!!
Ask for upgrade in customer care:) first:) i recently did my upgrade from SBI SimplySAVE to SBI Pulse (today) tomorrow verification call scheduled
So ask for upgrade to your SBI SimplyClick, it will be done if you have approx 6 months minimum usages