My CIBIL score is lower in SBI Database - Query

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Last Comment 2023-02-02

2023-01-12

I get frequent calls for SBI credit cards from various agents every few days. The problem is that when they check my details in their system, the CIBIL score is not even eligible for application. They say its too less and I should apply after a few months. And this is happening since more than 3-4 months now.

I hold other Credit Cards with decent limits up to 2.4l. I checked my CIBIL score on One Score app recently, it is above 780.

Is there some different calculation that SBI follows to fetch the CIBIL score. I have a total of 7 cards. Can that be an issue ?

But that still doesn't justify the less score reason for not taking my application.

What is the easiest way to get an SBI card.

I read about SBI FBB card, but because of Fretail issues they stopped taking new applications post May 2022. Is OLA SBI easy to get?

Ay views/suggestions are appreciated. Thanks.

P.S : I don't hold an SBI account. I did, more than 5+yrs ago, they had offered me an LTF card back then, but I rejected it because I was too sceptical about credit cards at that point of time.

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https://www.desidime.com/discussions/my-cibil-score-is-lower-in-sbi-database-query?page=1#post_9022568

Gauravmittal49589

2023-01-12

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Did you try application via sprint portal?

https://www.desidime.com/discussions/my-cibil-score-is-lower-in-sbi-database-query?page=1#post_9022581

getready

2023-01-12

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Is OLA SBI easy to get?

It is. While applying opt for c2c (they just need two recent statements of you existing cc)

https://www.desidime.com/discussions/my-cibil-score-is-lower-in-sbi-database-query?page=1#post_9022651

Ash-D

2023-01-12

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getready wrote:
Is OLA SBI easy to get?

It is. While applying opt for c2c (they just need two recent statements of you existing cc)

Is this card any useful?

https://www.desidime.com/discussions/my-cibil-score-is-lower-in-sbi-database-query?page=1#post_9022660

getready

2023-01-12

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Ash-D wrote:
Is this card any useful?

1% cb (to olamoney wallet) for all online & offline transactions + regular bank discount/cashback offers. It used to be a great choice until SBI/Ola stopped 7% cb for wallet loads

https://www.desidime.com/discussions/my-cibil-score-is-lower-in-sbi-database-query?page=1#post_9022745

amey_dev143

2023-01-12

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Gauravmittal49589 wrote:
Did you try application via sprint portal?

Yes, got rejected, had applied for SBI CB when it was launched

https://www.desidime.com/discussions/my-cibil-score-is-lower-in-sbi-database-query?page=1#post_9022748

amey_dev143

2023-01-12

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getready wrote:
Is OLA SBI easy to get?

It is. While applying opt for c2c (they just need two recent statements of you existing cc)

Any idea about how much CIBIL is needed ?
If C2C is possible, then I have a 3-4 yr old card that I can use, thanks

https://www.desidime.com/discussions/my-cibil-score-is-lower-in-sbi-database-query?page=1#post_9022759

getready

2023-01-12

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amey_dev143 wrote:
Any idea about how much CIBIL is needed ?
If C2C is possible, then I have a 3-4 yr old card that I can use, thanks

750+ is enough for many banks/cc issuers. And regarding card age, i used a 2 month old cc and it worked

https://www.desidime.com/discussions/my-cibil-score-is-lower-in-sbi-database-query?page=1#post_9022769

amey_dev143

2023-01-12

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getready wrote:
750+ is enough for many banks/cc issuers. And regarding card age, i used a 2 month old cc and it worked

It might mean that SBI is taking up some different parameters as well.

One Score app is projecting an increase from 784 to 794 in the next refresh which is going to happen in 5 days, I know it not that accurate.

So I think I should probably wait till Feb and try applying if it crosses 800+
And now I will wake up from my dream 😬

https://www.desidime.com/discussions/my-cibil-score-is-lower-in-sbi-database-query?page=1#post_9022788

Gauravmittal49589

2023-01-12

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amey_dev143 wrote:
It might mean that SBI is taking up some different parameters as well.

One Score app is projecting an increase from 784 to 794 in the next refresh which is going to happen in 5 days, I know it not that accurate.

So I think I should probably wait till Feb and try applying if it crosses 800+
And now I will wake up from my dream 😬

Check score from official cibil website
Sbi card app display same score as cibil website but its just 2-3 months old score as i have observed

https://www.desidime.com/discussions/my-cibil-score-is-lower-in-sbi-database-query?page=1#post_9023037

getready

2023-01-12

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amey_dev143 wrote:
It might mean that SBI is taking up some different parameters as well.

One Score app is projecting an increase from 784 to 794 in the next refresh which is going to happen in 5 days, I know it not that accurate.

So I think I should probably wait till Feb and try applying if it crosses 800+
And now I will wake up from my dream 😬

Parameters aren't any different. It is just that these agents or SBI system considers this score to check if you're eligible or not
But when you apply for any credit card, bank/cc issuers makes a hard enquiry with credit bureau agencies (CIBIL, Experian) and fetches the updated score/report, followed by conditional approval + Final checks

https://www.desidime.com/discussions/my-cibil-score-is-lower-in-sbi-database-query?page=1#post_9024899

guest_999

2023-01-13

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amey_dev143 wrote:
It might mean that SBI is taking up some different parameters as well.

One Score app is projecting an increase from 784 to 794 in the next refresh which is going to happen in 5 days, I know it not that accurate.

So I think I should probably wait till Feb and try applying if it crosses 800+
And now I will wake up from my dream 😬

For majority of users/credit card holders, cibil score rarely cross 800 & even if it does then it rarely stay above that level for more than few days/week.