https://www.desidime.com/discussions/sbi-card-application?page=1#post_9554983
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SBI Card Application
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Applied for SBI Card on 12th Sep, vkyc done on 13th and on 14th tele-verification and esign
On 15th when i checked the status of my application it was showing declined due to internal policy but i haven't received any message neither on email nor on mobile conveying the same
I am Self Employed submitted only Last 6 month Bank Statement while applying . My cibil score is 752(Equifax) & 848 (Experian) and also have a SBI savings account from last 10 years with good MAB.
Should i now contact them and ask for the reason for decline or wait for few more days then before the do that ?
Update 1 PM : Received a message to give consent to SBI Card to access bureau record in next 6 hours
What should i do now status shows declined and now if i give consent there gonna be hard enquiry and CIBIL score will take a hit so why take a hit if its already declined ? Is there a chance application may get approved after i give consent to access bureau record
The application number which is visible on the page after clicking on consent link is different to original application which shows as declined
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https://www.desidime.com/discussions/sbi-card-application?page=1#post_9555257
give consent, don't worry about status, it could be wrong.
even if they decline this time, they may consider again the same application after 3-4 months
This consent is for first CIBIL enquiry, correct? if its 2nd enquiry (just in case) then do not give consent
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9555578
caks2006407 wrote:give consent, don't worry about status, it could be wrong.
even if they decline this time, they may consider again the same application after 3-4 months
This consent is for first CIBIL enquiry, correct? if its 2nd enquiry (just in case) then do not give consent
I have got only one message for consent so this maybe first CIBIL enquiry
Is it possible that they did CIBIL enquiry after I esign the document and then they declined the application
and now they have created another application from their side and need my consent to access my bureau record then proceed with this new application and do vkyc, verification, esign again
How do i make sure this is the first CIBIL enquiry ?
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9555587
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https://www.desidime.com/discussions/sbi-card-application?page=1#post_9556085
For me also they declined in the 1st attempt.
Later I went to the sbi card office, and the sbi employee reapplied, and the card was approved in 2 days. SBI yono app still shows status as declined
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9556164
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else download CIBIL and check, consent means most probably 2nd enquiry
wait for few days, also talk to them if its really declined, in which case 1 cibil hit
ritesh.cricfan270827 wrote:CIBIL enquiry triggers email, so check emailI have got only one message for consent so this maybe first CIBIL enquiry
Is it possible that they did CIBIL enquiry after I esign the document and then they declined the application
and now they have created another application from their side and need my consent to access my bureau record then proceed with this new application and do vkyc, verification, esign again
How do i make sure this is the first CIBIL enquiry ?
else download CIBIL and check, consent means most probably 2nd enquiry
wait for few days, also talk to them if its really declined, in which case 1 cibil hit
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9556319
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caks2006407 wrote:
CIBIL enquiry triggers email, so check email
else download CIBIL and check, consent means most probably 2nd enquiry
wait for few days, also talk to them if its really declined, in which case 1 cibil hit
Received no email regarding the CIBIL enquiry
and about checking on CIBIL website regarding enquiry it's a paid feature so won't be able to do that
But on GPay I was able to check , GPay generate new report every 30 days and luckily was able to generate a new report today it shows 1 Enquiry made by SBI card in Sept 2023
But my score is same 752 as it was before enquiry
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9557092
Me got reply of my credit card application via Twitter
Hi, thank you for writing to us. Please note that your application is under investigation, and can take up to 21 working days to complete processing. For further assistance, kindly call our helpline on (local std code) 39020202.
Applied on Friday
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9557143
@ritesh.cricfan270827 In the description you've written "My cibil score is 752(Equifax) & 848 (Experian)."
Hope you're not confused between CIBIL & EQUIFAX Scores. Both are different.
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9557149
nirmaltvd wrote:What's the status of your application when you check through 'Track your application' ?Me got reply of my credit card application via Twitter
Hi, thank you for writing to us. Please note that your application is under investigation, and can take up to 21 working days to complete processing. For further assistance, kindly call our helpline on (local std code) 39020202.
Applied on Friday
Is vkyc, 1st tele-verification and esign done ?
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9557208
UniqueDimer wrote:Yeah silly mistake i should have written credit score@ritesh.cricfan270827 In the description you've written "My cibil score is 752(Equifax) & 848 (Experian)."
Hope you're not confused between CIBIL & EQUIFAX Scores. Both are different.
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9557562
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ritesh.cricfan270827 wrote:
What's the status of your application when you check through 'Track your application' ?
Is vkyc, 1st tele-verification and esign done ?
Applied and kyc done by digilocker
Have sbi account and received 1 and refunded by netbanking.
On last page it shows your pan and adhaar not linked error come.
But later again trying it suddenly viewed the application after entering phone number with otp.
Applied on Friday
Saturday received a call and asked me received and refunded. He after told me will get card after some day.
But no message or email still.
Still showing under process will take 12 to 48 hours.
In cibil on Friday itself they checked my CIBIL
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9564172
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nirmaltvd wrote:Application approved or still in process ?Applied and kyc done by digilocker
Have sbi account and received 1 and refunded by netbanking.
On last page it shows your pan and adhaar not linked error come.
But later again trying it suddenly viewed the application after entering phone number with otp.
Applied on Friday
Saturday received a call and asked me received and refunded. He after told me will get card after some day.
But no message or email still.
Still showing under process will take 12 to 48 hours.
In cibil on Friday itself they checked my CIBIL
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9564380
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Twitter cc replied wait 21 days.
No reply, email, sms, calls
ritesh.cricfan270827 wrote:Still showing wait 12 to 48 hours.
Application approved or still in process ?
Twitter cc replied wait 21 days.
No reply, email, sms, calls
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9564381
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ritesh.cricfan270827 wrote:What about yours?
Application approved or still in process ?
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9564557
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And didn't gave the consent to access bureau record for the 2nd Application which i think they created from their side as the application number is different to the application which was declined
nirmaltvd wrote:1st was declined , i have asked them about exact reason for declining my Application
What about yours?
And didn't gave the consent to access bureau record for the 2nd Application which i think they created from their side as the application number is different to the application which was declined
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9564600
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ritesh.cricfan270827 wrote:
1st was declined , i have asked them about exact reason for declining my Application
And didn't gave the consent to access bureau record for the 2nd Application which i think they created from their side as the application number is different to the application which was declined
Please share the contact number you used for asking about card application
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9564660
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nirmaltvd wrote:Please share the contact number you used for asking about card application
Wrote an email here https://www.sbicard.com/en/webform/write-to-u...ge got the same reply Declined due to internal policy which was already visible on Track application page
As the reply was unsatisfactory i escalated the query to nodal officer now waiting for the reply
There are several numbers also given on this page https://www.sbicard.com/en/contact-us/persona...ge you can try if you don't want to write an email
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9565053
on 14th tele-verification and esign
Applcn Should not have reach this stage 
f they where planning to decline
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9565167
urmila.contact wrote:That's what I'm also thinking why did they go through all the process just to decline at the end.on 14th tele-verification and esign
Applcn Should not have reach this stage
f they where planning to decline
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9569173
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ritesh.cricfan270827 wrote:Received no email regarding the CIBIL enquiry
and about checking on CIBIL website regarding enquiry it's a paid feature so won't be able to do that
But on GPay I was able to check , GPay generate new report every 30 days and luckily was able to generate a new report today it shows 1 Enquiry made by SBI card in Sept 2023
But my score is same 752 as it was before enquiry
Does Gpay check cibil for free?
https://www.desidime.com/discussions/sbi-card-application?page=1#post_9569216
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DoubleSpiceDaddy wrote:Does Gpay check cibil for free?
Yes, New report every 30 days
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