Bank of baroda credit card approved... Crazy journey......

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. 

head_shark wrote:

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…

guest_999 wrote:

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.

Yes some banks takes time to process application having single name. When I opened HDFC saving account, it took 4~5 days to process the application. Bank send single name application for approval from higher authority. SBI card also don’t accept application without last name, we have to contact customer care to process the application manually.

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.

Deal_Freak wrote:

Is BoB credit card working fine today? Mine keeps failing on Amazon

Same issue 

Poor card 😜

apnacscav65 wrote:

Same issue 

Poor card 😜

Okay… I thought since I have given request to convert my BoB credit card from Visa to Rupay network some days back, so might have been facing this issue if BoB has converted my card to Rupay network as the old Visa card gets deactivated. But seems like it is a common server issue from BoB side.

Deal_Freak wrote:

Okay… I thought since I have given request to convert my BoB credit card from Visa to Rupay network some days back, so might have been facing this issue if BoB has converted my card to Rupay network as the old Visa card gets deactivated. But seems like it is a common server issue from BoB side.

Welcome to BoB

prem4998 wrote:

Welcome to BoB

Bob credit cards users might have increased in large numbers due to giving cc to almost everyone…. So the server issue or they might be upgrading

batmanBABA wrote:

Bob credit cards users might have increased in large numbers due to giving cc to almost everyone…. So the server issue or they might be upgrading

@batmanBABA – you must be lucky that BOB was courteous & gave you the card, even after knowing what you did with China and Rest of the World for 2+ years. Baba-re-baba!!!

Smak wrote:

@batmanBABA – you must be lucky that BOB was courteous & gave you the card, even after knowing what you did with China and Rest of the World for 2+ years. Baba-re-baba!!!

No.. Not only me… They have given to loan defaulters…. Cibil with 108….one had written his name wrong in application.. He even got it…….. Its a loot going right now on bob

batmanBABA wrote:

Bob credit cards users might have increased in large numbers due to giving cc to almost everyone…. So the server issue or they might be upgrading

It’s not because of the load. BoB was known for such server iasues for so long

 

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?

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..

Royal_Prince wrote:

I Also Applied For BOB CC 2 Weeks Ago.Did VKYC Uploaded CC Statement And All Other Required Documents.Now Today I Got An 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 Visit My Location So..

Yes they do address verification and will take aadhar photo and building photo

MasterAnimesh wrote:

Yes they do address verification and will take aadhar photo and building photo

Oh,Ok.. Thank You

Sins1995 wrote:

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. 🥴

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.

r3d-d3v1l wrote:

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. 

r3d-d3v1l wrote:

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. They will do surprise visit and they will take pictures of your home. Also they will get details from your family member if you are not present in home they ask information such as occupation and years at residence etc.,

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.

r3d-d3v1l wrote:

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. 

irajnish wrote:
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. 🥴

Your application approved then? . My mom applied for bob select cc she is teacher 90k per month salary. She have sbi axis icici indus hdfc credit card with good limit 2 lac +  cibil 780 .still bob application rejected . Sbi card photo and sbi click cc 2 lakh limit statement given. I cheked application status online its showing 

As per our internal policies, please note that the current decision is in no way reflective of your credit stature, and we will be happy to consider your application when you apply again with updated financial information at a later date.