BOB CC timeline [Approved]

187°
Deal Subedar
TempAcc
4+1 CC, 780+ , Self
Earlier had a long SA relationship, but MAB was quite low.

tl;dr  Applied for premier, received EASY Rupay/JCB with just 25k

[Day #0] - Application and VKYC

  • Self-employed, Added HDFC >100k as existing card;
  • Selected Premier. They matched the limit for the new card on the following preview page.
  • Uploaded PAN, DL, Aadhar, voterID, DL, electricity bill(owned), and ITR.

[Day #6] - Home verification

  • Verification person from the regional CC branch.
  • Nice guy.
  • I asked for the basic cross-verification, including family members' count and tenure at the current house. Captured electricity bill and house with house number in sight.

[Day #6 +1 hour] - Office verification

  • The same guy I was not present at the office.
  • I asked GST number and primary cross-verification from the boss.

[Day #6 +5 hours] - Visit feedback

  • Received a call from the local office regarding the behavior of the verification person

[Day #7] - visit Feedback

  • Behaviour, if asked for money, If the ID was there with him.

[Day #15] - CIBIL hit

  • 50k inquiry from BOB FINANCIAL, CIBIL remained intact

[Day #20] - SMS from BOBFIN

  • Dear X, Your BoB Credit Card application Y has been approved, and your card will be dispatched shortly.

[Day #22] - Last four digits of the card

  • Tried each day after the approval message. Card number generated and linked to mobile. I got the last four digits from the hotline and signed up in the app.

[Day #24] Dispatch through blue dart

[Day #25] Received the card.

  • I tried for the lounge key after international transaction activation. Didn't work.
  • It seems Golf access is limited to the premier card as Easy's BIN is not accepted there.

Note - 

The timeline falls during pre-Diwali and post-Diwali vacations. Roughly half of it goes under non-working days.

Expired
12 Comments  |  
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Deal Subedar Deal Subedar
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Thank you @abhishek012, and other dimers for the helpful threads.

Helpful Helpful
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looks like 25k is their basic limit similar to 15k for fkaxis

Comrade Comrade
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Now send email to [email protected]... And get it upgraded to premier..... I did after 3 months.. Some People did in a week after I posted this thing.... They would say  now 12 months required for upgrade.. When u receive this response.. Again mail.... Do this 3-4 times u will be upgraded to premier 

Deal Cadet Deal Cadet
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I tried it twice and they are sending me same 12 months message. I will send more mails.

Anyway to increase cc limit from 25k using c2c

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Deal Cadet Deal Cadet
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@TempAcc What type of location you reside ? Urban/Metro/Semi Urban/ Village ?

Since I live in a village  area with no BOB branches nearby. And did BOB informed you earlier over call before sending agent for in person Verification ?

Deal Subedar Deal Subedar
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Urban
No
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Deal Subedar Deal Subedar
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Did you get a written confirmation from CC about LTF?

Deal Subedar Deal Subedar
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Sent a mail after your message and just received the LTF confirmation.

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