(Query) SBI Simplyclick Credit card approval

(Query) SBI Simplyclick Credit card approval

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Deal Cadet
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Got call from SBI card agent from my branch. Applied for credit card yesterday. I mentioned about getting a call from them for credit card. They checked something with my account and filled my application form. They didn’t even ask for any income proof (only adhaar/PAN). They even put my income source as self employed / Proprietorship (I am a student/23). They said I have a good score and surely can get it approved (Don’t know what score it is as I don’t have CIBIL score). Agent mentioned income @ 3L pa (Think they are trying to complete their monthly quota of applications). Savings account is 3 years old, have more than 50k MAB in savings account, also a fixed deposit, huge amount of In/Out transactions in bank statement.

Now waiting for verification call. How should be my approach to the verification caller? What are the chances of getting approval?

Thanks…

59 Comments  |  
19 Dimers
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Entertainer
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Tell them your bank balance.then No need to present yourself they will beg themselves.
Nothing to worry brother. Just answer what they ask.

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Deal Lieutenant
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They would have told u how to answer verification call!
Now u have to tell the same as written in form like self employed with 3lpa, name and address of the company, what the company does..So ask them what is mentioned onform stuck_out_tongue
Approval chances are high with your relationship to SBI

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Deal Cadet
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They will approve you, but you have to provide same answer to every calls … You will receive approx 2-3 calls.

Note- after just approval, CCP will call you to tell you feature of CCP, important to tell him/her multiple times that you don’t want CCP. Otherwise they will activate it. In my case they argued me that i tick CCP in application form. But i refused multiple times, then i told him if he activated without my approval.. I’ll complain against him in police.

Again you will get 50+ calls to buy insurance in the name of sbi card. You you have to DND on insurance website. (Actually i forget the insurance company name).

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Deal Subedar
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@pikkuboss update here what happened to your application
Eventually in my case i was denied, as i had no relationship with bank, and as a outer customer they don’t provide card to a self employed person below 25 age, mine was 23
Later i got to know the reason via customer care

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Deal Major
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It is pre-approved card based on your MAB or FD (Less Likely)
Search through D&D, there were similar threads before

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Critic
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If they are indeed giving you this credit card without any income & cibil score then it will be a very low limit card(somewhere ~10k) or they are giving it to you on the basis of your FD. Most likely they are giving you the card based on your FD as that is the card which requires you to visit branch or sbi card person at branch to directly contact acc holder(in case of online application,call never come from local branch but from sbi card central office for your city).

Also they will call you & try to trick you into saying YES/confirm for getting card protection plan for ~1500-1600 per year. This plan is basically for insurance in fraud cases where bank may reject your claim because of your own carelessness or some technical reason etc so only take it if you think you need it else all credit cards come with a basic fraud insurance plan which covers any genuine frauds.

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midfold wrote:

They will approve you, but you have to provide same answer to every calls … You will receive approx 2-3 calls.

Note- after just approval, CCP will call you to tell you feature of CCP, important to tell him/her multiple times that you don’t want CCP. Otherwise they will activate it. In my case they argued me that i tick CCP in application form. But i refused multiple times, then i told him if he activated without my approval.. I’ll complain against him in police.

Again you will get 50+ calls to buy insurance in the name of sbi card. You you have to DND on insurance website. (Actually i forget the insurance company name).

In my case since I got the card against FD so after seeing the unrelenting attitude of call person I just said that this is temporary & I will close this card to get a better card against salary as soon as I get a job in next few months while this card protection plan fee is annual so then he finally stopped saying anything. smile

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Deal Newbie
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I applied for SBI simplyclick and got final confirmation call yesterday but they said that charges for card is 1500.

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Deal Cadet
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gs619 wrote:

I applied for SBI simplyclick and got final confirmation call yesterday but they said that charges for card is 1500.

Not possible. 499 charge is written there. I think they have added CC Insurance with it. Call them and ask them to cancel insurance.

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Deal Cadet
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guest_999 wrote:

In my case since I got the card against FD so after seeing the unrelenting attitude of call person I just said that this is temporary & I will close this card to get a better card against salary as soon as I get a job in next few months while this card protection plan fee is annual so then he finally stopped saying anything. smile

Can we get Simplyclick card against FD?

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Critic
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pikkuboss wrote:

Can we get Simplyclick card against FD?

Yes & it is almost guaranteed to get approved.Min FD required is 20k & card limit will be 70% of FD amount.

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Deal Cadet
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guest_999 wrote:

Yes & it is almost guaranteed to get approved.Min FD required is 20k & card limit will be 70% of FD amount.

I know that we can get. But they always give simplysave save instead of Simplyclick. That’s why asking. BTW Thanks.

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Deal Lieutenant
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Someone ll just come to home to verify your kyc. No other details ll be asked.

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Deal Newbie
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Card charges is 499 + 18% GST = 589. Payable in the first monthly billing cycle. If you spend more than 1L a year, this will be reversed (not the GST).

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Deal Newbie
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pikkuboss wrote:

Not possible. 499 charge is written there. I think they have added CC Insurance with it. Call them and ask them to cancel insurance.

Bro they automatically upgraded my card to air India card ( annual charges 1500) , when I called them they told me to call them when the message of card being processed comes then they will cancel air India card and give me simplyclick. I don’t know what mess they have created.

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Critic
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gs619 wrote:

Bro they automatically upgraded my card to air India card ( annual charges 1500) , when I called them they told me to call them when the message of card being processed comes then they will cancel air India card and give me simplyclick. I don’t know what mess they have created.

This usually happens when the card person at branch does not tick the simplyclick card option in the form,something similar was going to happen to me but as I know about this I insisted on card person at branch ticking simplyclick option on form in front of me.

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Critic
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pikkuboss wrote:

I know that we can get. But they always give simplysave save instead of Simplyclick. That’s why asking. BTW Thanks.

See my above reply.

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Deal Newbie
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guest_999 wrote:

This usually happens when the card person at branch does not tick the simplyclick card option in the form,something similar was going to happen to me but as I know about this I insisted on card person at branch ticking simplyclick option on form in front of me.

I applied online bro. So specifically applied for simplyclick, still I don’t know why this mess.

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Critic
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gs619 wrote:

I applied online bro. So specifically applied for simplyclick, still I don’t know why this mess.

Because online form can be modified by the backend processing team while hard copy application form cannot be modified once an option is ticked.

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Deal Subedar
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Thank you for your interest in Etihad Guest SBI Card. Our representative , Mobile No. will get in touch with you shortly.
I applied for simply click and they sent this message. It was rectified and now the card will reach in 7 days. 499 fees with 500 Amazon voucher inside welcome kit.

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SunnyKh wrote:

Thank you for your interest in Etihad Guest SBI Card. Our representative , Mobile No. will get in touch with you shortly.
I applied for simply click and they sent this message. It was rectified and now the card will reach in 7 days. 499 fees with 500 Amazon voucher inside welcome kit.

Are you sure about this? I didn’t got any voucher inside welcome kit so when I read the booklet it says the welcome amazon voucher will be sent to email after paying the 1st year fee in 1st bill statement.

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Deal Subedar
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guest_999 wrote:

Are you sure about this? I didn’t got any voucher inside welcome kit so when I read the booklet it says the welcome amazon voucher will be sent to email after paying the 1st year fee in 1st bill statement.

Verification person only said that don’t forget to check your kit, 500 Amazon Voucher will be there. Let the Kit Come,will update here

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Deal Cadet
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guest_999 wrote:

Are you sure about this? I didn’t got any voucher inside welcome kit so when I read the booklet it says the welcome amazon voucher will be sent to email after paying the 1st year fee in 1st bill statement.

₹500 Amazon gv will send by sms within 15days after paying 1st bill.

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Deal Newbie
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I had the same issue as well, applied for SimplyCLICK, they sent SimplySAVE. Called customer care and asked them to rectify it, they sent the right card in next 3 days.

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Deal Subedar
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solarisx21 wrote:

I had the same issue as well, applied for SimplyCLICK, they sent SimplySAVE. Called customer care and asked them to rectify it, they sent the right card in next 3 days.

Why they don’t promote Simply Click, every time i said i need Simply Click, they said it is lowest card, we will give you premium card. Am i missing something

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Deal Cadet
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I think SBI is giving credit card to most of the people. Few months back the same bank and branch denied me credit card and now they are after me to give a credit card. These people are just completing their quota or target.

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SunnyKh wrote:

Why they don’t promote Simply Click, every time i said i need Simply Click, they said it is lowest card, we will give you premium card. Am i missing something

Because higher the issued card,more will be the commission/performance points for the card person.Simplyclick & Simplysave are the lowest tier card so card person try to sell cards with annual fees at least 1000+. Among simplyclick & simplysave,they push simplysave card more probably because simplysave card is not so popular as it is mainly for offline spends & nowadays people prefer online spends(at least those using cc) so card people probably get extra commission/performance points for selling simplysave card over simplyclick card.

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Deal Newbie
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guest_999 wrote:

Because online form can be modified by the backend processing team while hard copy application form cannot be modified once an option is ticked.

Received air India card processing message on Monday, told cc about it. They said they will cancel it. No cancellation message or simplyclick card message received.

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Critic
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gs619 wrote:

Received air India card processing message on Monday, told cc about it. They said they will cancel it. No cancellation message or simplyclick card message received.

I remember someone here said that you will directly receive the changed/new card but better send an email to sbicard for confirmation.

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