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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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 ?
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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
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 ?
@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.
on 14th tele-verification and esign
Applcn Should not have reach this stage 
f they where planning to decline
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