SBI CASHBACK CREDIT CARD Fraud???
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Applied for SBI cashback credit card on 26 March. And received text msg and application number. Today received call from their side and said my card is approved with limit range between 1.5 Lakh to 6 lakh.
It is fraud? They sent text message today (from the same number i received my application number 3 days back) with my application number and a link and insisting me to apply by login with Internet Banking (upload documents from bank) and not with the statement pdf upload(Scan and Upload). I'm doubtful to enter internet banking password on that website. They said uploading bank statement pdf may stall my application and will be difficult to proceed.
Has anyone applied through same process and got the card?
I'm a student and only have IDFC WOW secured credit card with 10k limit(3 months old). And credit score around 750 with 3-4 months old credit history.
Please guide . Attaching screenshots for references.
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Exactly. That was the 1st indication of doubt. Maybe they lied so that i don't back out of the process??
Also i have SBI savings bank account since last 8years.
but the link is of sbicard.com .... that seems legit ..... BUT i never came across this way of applying . so not sure
The link is not sbicard.com, check carefully
Directly call customer care
Follow the instructions
I called them through application number. But call went to emergency services department. So they diverted call and asking me to enter card number to talk to cc. But i don't have card number. So unable to talk to cc. I did this process 2 times. Emergency department ignoring and forwarding my call.
Sms and links looks legit though
It's legit.
Perfios is a highly reputed authorized bank analysis tool, which nearly all major banks use internationally. You are entering your net banking credentials (of salary account in general) in Perfios which simply reads all past transactions to get a hook of your annual income and expenses and then the bank (SBI in this case), suggests the credit limit based on its algo.
Btw, that's a different thing that since you are a student, there's no chance that you will get a 1.5-6L limit, unless you keep a huge bank balance... so, the only "scam" or "fraud" that's happening with you is the false promise of the agent telling you this limit... generally you should expect a 10-20K limit in general... Even salaried employees with decent income get 1-2L in SBI... getting 1.5-6L is a bluff XD
Thanks
I just checked i have also received following email from [email protected]
Dear Applicant,
This is in reference to your SBI Card application *******. Pls upload your Income Proof documents at the link provided https://www.sbicard.com/customer/#/login/82xxxxlink edited by me
After clicking on the link it is taking to same webpage that text msg redirected where i was supposed to login with NetBanking.
I have SBI savings account and PPF account and I received 3L+ limit for Cashback card. So nothing fishy here I feel.
SMS header looks legit. VM-SBICRD means the message came from Vodafone Mumbai message server. Although I have never seen SBI asking docs to upload so be careful or better ask SBI from Twitter about authenticity of this message.
UPDATE - After getting some authenticity from you guys, i completed the process and at received Income documents submitted message.
Now agent visit is scheduled for kyc in the morning 8am. Will update again.
Thanks
Please update, sbi agents are looking second rate even for VKyc. I have gone through the same but I went for vkyc as it was available
Nothing to worry about this.
I have got the customized link to upload bank statements and personalized 2 months salary to be sent to agent's personal mail ID. It got approved within 2 days with 100k limit.
1.5 lakh to 6lakhs
I smell something fishy