My experience in applying for BOB Credit Card

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Talk-Of-The-Town
Satish84
I applied for BOB Easy rupay Card.

Mar 06th - Application submitted along with Bank statement (iam salaried employee)

Mar 08th - Person visited office for verification.

Mar 09th - Person visited home for verification.

Mar 11th - My Application status shown as Card approved.

Mar 13th - Received sms on Card dispatch via bluedart.

Mar 16th - Card delivered.

Iam holding 4 other cards but no one done verification like Bob cards.
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Finance Mentor Finance Mentor
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Yes, too much fuss, they don't approve the self employed having home and office address as same... also ask for company sign board if you show a business...

Talk-Of-The-Town Talk-Of-The-Town
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They asked for my ID card and taken photo of it, after that I got call from Bob cards to know whether the verification guy demanded any money
Helpful Helpful
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Yes I agree, first time they done both home and office verification for a credit card is from Bob.

I hold Bob select ltf

Helpful Helpful
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I have cards from sbi, icici, rbl, indusind, idfc and axis, none of them did these types of verification

Talk-Of-The-Town Talk-Of-The-Town
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Yes agree, I too have HSBC, sbi, hdfc, 2 axis but none of them had this verification process
Finance Mentor Finance Mentor
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@Satish84 Not only that, they even call if the rep. was well behaved... PSU circus at it's best.

Savings Mentor Savings Mentor
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I am self-employed. In my case, surprisingly they approved BOB Select after I submitted them ITR over email but only after a fight. I had savings account with them. No home or office address verification was done.

Initially, they denied the card saying incomplete docs yet never asked for any income docs. Plus I had not submitted the fully completed application yet they had done multiple CIBIL hard enquiries. When I asked why so many enquiries they said every time I open the credit card application page, an automated enquiry is done even if I did not finish applying for the card and was merely exploring which cards were applicable to me as per entered income and PAN.

I threatened to complain to RBI since they denied falsely claiming that my submitted docs were incomplete. How was I supposed to know they wanted ITR if they never asked for it? I immediately emailed them the docs - dunno if the RBI threat worked or submitting the docs but it was approved with a measly low limit of ₹25,000. Hope to get it increased soon now that 6 months are complete.

I used it a lot for getting big discounts on Licious app and flat ₹50 off when paying utility bills via Amazon.

Post Tycoon Post Tycoon
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Same process to me also and  Verification person asked For money and  I gave him(if not I thought he reject my application)

Talk-Of-The-Town Talk-Of-The-Town
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Did you got call from Bob to know about verification person, you might complain to them
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Beacon Beacon
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How many bob credit card can a person hold ?

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