Did you ever felt your Data being misused by credit card agents?
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Small help needed - Extra perks for SBI Card application misuse by some agent?

133°
Deal Lieutenant
DEEPANGEORGE

Hello Dimers,


I suddenly received a Rejection Message with Application number in a well done .pdf attachment from "official SBI Cards" in my "registered email and SMS". I am literally shocked. But the important part is I NEVER APPLIED THIS APPLICATION for SBI BPCL card

(I mean why would I apply for 4th SBI card when i got my 3rd SBI card this August 2024 - as i know 3 months gap is needed for next card)


I am in the process to report this to SBI Card, but before that, want some inputs on how to get this done with some good benefits.

so now can I use this as a leverage for some perks while complaining?? just wondering


Please do help and suggest on how to handle this:)


20 Comments  |  
7 Dimers
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Benevolent Benevolent
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Did you check your CIBIL to verify whether any inquiry was made? And what does application tracking show, is that information relevant?

Deal Lieutenant Deal Lieutenant
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Weird part is, I have CIBIL subscription so i will get enquiry message but this time i didnt get any CIBIL hit and then checked manual refresh as well there is no enquiry on 25th Aug from SBI cards (infact last 1 week no enquiry from SBI cards)


but i received this rejection email on 25h Aug

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Crusader Crusader
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I can see one possibility here..

SBI has the habit of sending rejection/approval email/sms even after 6 months of card issuance/rejection..

Since there were no hard cibil hits on the said date..i presume the above possibility here.

Anyways getting checked with the official team is always the best option..

Deal Lieutenant Deal Lieutenant
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i see interesting to know
Deal Cadet Deal Cadet
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Same happened with me.

Received a rejection SMS and mail for SBI Cashback card. But I never applied for that card. 

Raised a complaint from SBI cards app asking as to how it was applied without my knowledge. 

They simply replied that the card is declined!!! (They didn't even bother to read the question properly) 

Escalated it from the app, received reply that they have registered a complaint of fraud. 

Awaiting further information. 

Deal Lieutenant Deal Lieutenant
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aha so they dont care grrrr


good to know one of a result is this


but lets see if i can make them feel bad about it on my complaint email 

Analyst Analyst
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Nothing will happen. I never applied for any SBI card, but received a mail and message. I complained to SBI , cyber crime. Nothing happened. I complained to ombudsman,  but nothing happened. After continuous follow up of 3 months i left it. 

Payi

patience lost.

Deal Lieutenant Deal Lieutenant
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What this is insane they dont even care??? to explain grrrr
Deal Lieutenant Deal Lieutenant
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First U Will Reject Sms/Email , Again On 90th Day U Will Get  Sms And Email With Pdf. Pdf Contains Reason For Reject

Deal Lieutenant Deal Lieutenant
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Interesting


But i never Applied SBI BPCL card in my lifetime:) so this is not the rejection message of past smile so 90 Days is not the case in this for me i guess
Deal Cadet Deal Cadet
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Simple question: do you spend whole day thinking about credit cards only?

Deal Lieutenant Deal Lieutenant
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you have good observation:)


hahahaha kinda:) because i want to deviate my mind out of stock market lol xD


so credit card is a good alternative:) 


been doing this for past 1 year

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Deal Lieutenant Deal Lieutenant
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Update: finally after thinking for 2 days, finally raised complaint:) lets see how it goes:) just now sent complaint email

Have to wait and watch


Mind voice: I am thinking to get some way to get LTF if they offer xD

Deal Lieutenant Deal Lieutenant
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Update reply: 


We would like to inform you that we have taken note of your complaint regarding application not applied related vide reference number XXXXXXXX, same is under process and we would be intimating you the status by 11/10/2024.



omg i need to wait till 11th of OCT 2024????

Deal Lieutenant Deal Lieutenant
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Update: 


Damn such a worst SBI card response lol

image

What the hell

been following them up on repeated emails around 3 or 4 correspondance emails 

finally they charge it against me, saying OTP misuse lol, when i dont share otp to anyone lol 


(I am fed up)

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