My experience in applying for BOB Credit Card

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.
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
6 Dimers
  • Sort By
Finance Mentor Finance Mentor
Link Copied

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
Link Copied
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
Link Copied

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
Link Copied

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
Link Copied
Yes agree, I too have HSBC, sbi, hdfc, 2 axis but none of them had this verification process
Finance Mentor Finance Mentor
Link Copied

@Satish84 Not only that, they even call if the rep. was well behaved... PSU circus at it's best.

Savings Mentor Savings Mentor
Link Copied

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
Link Copied

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
Link Copied
Did you got call from Bob to know about verification person, you might complain to them
View 1 more reply
Beacon Beacon
Link Copied

How many bob credit card can a person hold ?

Click here to reply