Bank of baroda credit card approved... Crazy journey......
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I applied for bob card on 15 march…… I applied for easy variant….as I saw a wave of people applying for it… And getting approved…
Was having no salary slip…. No itr…. I applied using my one card statement… Limit is 31400…
On 19th received a mail to upload itr and salary slip…. I again sent credit card statement… And since I am bob bank customer… Sent 4 month bank statement…. There was hardly 4000 rs transaction…. In 4 months….
Then there was no communication from them till 1 april… When I received a mail for rejection…….
Suprisinggly… Yesterday on 7th april…. I received vkyc sms and mail…… I was surprised but I did it…. Instantly… Took one hour…
And today I checked the status… Its showing as approved…. Don’t know the variant or limit….
Ps. – – one thing I noticed in bob, hdfc and sbi credit card… They dont accept one card statement……. Mine is fd one but shows as unsecured in cibil…..
So this is my first unsecured card…. Sbi hanging in balance…. And hdfc rejected… even after home verification and sending documents to chennai….
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Do you know cs number… The number given on website.. Both on dialling saying invalid
No bank accepts onecard statement for c2c , confirmed by @guest_999 on some post I don’t remember
Yes… But this got approved… As i sent one card statement only….and bank statement nothing else
Bro…My Bro don’t have last name, only have singal Name “Pankaj” & already have 6 month old Amazon Cc with limit 50K…So I applied his Bob card as Pankaj Pankaj (first & Last name)
VKyc completed, card statement uploaded but they want card photo with validity & same sent but application under process since 30 March.
His application approved or rejected due to last name issue?
Most likely name issue, in case of single name you will have to escalate the case to higher level for even processing because typical bank software does not consider single name as even a valid option.
You are lucky.....
I applied BOB card in the month of September 2021.
After so many email and twitter/fb msg, One week before one person came for physical verification.
Still my application is in process🤣🤣🤣
Hope! you get BOB Eazy RuPay CC. Otherwise convert Visa to RuPay to enjoy BOB & RuPay both offers.
I’m thinking to Apply for PRIME Card on FD Basis – minimum 15000. Though i have other bank old cards with good limit… They are not approving on C2C. So i guess, on fd basis they have to approve it. Reason…A lot of offers on amazon are for BoB cards recently.
Don’t take… Fd cards… Of banks… No chance of limit upgrade….. Best fd card is one card…. It also shows as unsecured card in cibil… And there is a chance for removal of lien on fd…. If you use it well
Bob will give.. Just upload any bank card statement… I also uploaded one card… Nobody gives on one card.. Still my approved
They are hell bent to increase their market share. Currently its 0.99%….even canara bank has more customers than them….
Am I the only unlucky guy here? BoB and SBI rejected my C2C application even after giving a 5 digit limit statement.
BOB has no clear policy...its a pure luck...i guess
Applied through agent with SBI in march and the agent repeatedly told I would get a card but now he says nothing in his hand.
yes that is true…..the 2nd and 3rd call will decide that if u will get card or not….if you opt for high variant card….then its easy to get…as the first year charges is usually given back in points or amazon pay cb….if you use in good amount for first year…you will surely get simply click or ola or bpcl pre approved…then close the higher variant….and use simplyclick or whatever you want….sbi has tendency to give multiple cards to existing users…
Add last name in all your documents.
So called cs… And asked for variant and limit.
Got bob easy rupay variant with 34000 limit…. On 31400 cc statement…. No ipv, no verification call, no income documents
Is BoB credit card working fine today? My transactions are failing continuously on Amazon from last 6 hours.
Same issue
Poor card 😜
So finally received the card…. 
VKYC done on 1st April, then on 4th they asked for C2C statement.
After that no response received.
Application status shows Pending VKYC.
How to proceed further? Anyone have any idea?
Any update in your application status?
I applied on 12th May.
Sent credit card statement when they asked for it on 15th.
Got application rejected message on 20th.
Sent them another credit card statement this time.
Out of nowhere physical verification guy called in 29th.
Since then the application is under process. 🥴
I Also Applied For BOB CC 2 Weeks Ago.Did VKYC Uploaded CC Statement And All Other Required Documents.Now Today I Got A Call That They Want To Visit My Location For Some Kind Of Verification,So Is It Normal ? Coz I Got Multiple CC From Multiple Banks But Non Of Them Visited My Location So..
Yes they do address verification and will take aadhar photo and building photo
Can someone please confirm if BoB sends agents to do home verification of person/address?
Just today one person came for verification and I felt uncomfortable, as I have never had this done for any of my previous 6 cards.. 2 of which are super/premium cards.
I was given no intimation by BoB that something like this would happen, so felt a little fishy.
Can someone please share their experience? Thanks.
Yes Bob does that. Not only bob but below have also done physical verification, with or without our knowledge.
Indusind did that to tier 1 city address
Citi did that to tier 1 address
Scb did that for tier 1 address
Axis did that to tier 2 address.
Onecard did that to tier 2 city address.
amex does it for office address atleast.
Sbi does it for office atleast.
Yes did it for office atleast during their launch days.
Idfc did that to tier 1 address.
But the way bob and onecard does the physical verification seems very intriguing, they capture photos , collect data which is way more and makes us feel that the other banks never done any physical verification.
Thank you @dev007 and @JaiKrish1031 for your response and insight. Definitely puts me at ease in this situation.
I haven't had any such verification done in the past from any of HDFC, ICICI, Citi, SBI, etc.
Axis agent did come to my place, but that was literally just to pick up documents. This BoB experience was new and weird.
Yes I believe this type of stringent verification started from 2021 I guess (atleast my case) it started with onecard and I posed the same question to the verification person that bhai not even AMEX has done such type of verification. They have this app which asks for all sorts of data, pictures. Probably some new entrant in this verification market has entered and trying to prove itself by capturing all sort of data with its competition .
No other banks have asked these details before, including capturing picture of applicant infront of home with door number and house visible in that pic.
Congratulations Bro!
Call customer care after 1-2 days & ask them card varient & limit….if you applied for diffrent varient they will approved only easy varient.
limit will be nearly 15k-25K
But don’t Close you first CC..