SBI Card Over Leveraged? Here's the Solution - Experiment
SBI cards offline application - applying by yourself & sending it to SBI cards office like HDFC Chennai method.
I recently emailed SBI card to issue me 2nd card & this was their reply:
We request you to visit our website www.sbicard.com. On the main page, please click on Cards for You and choose SBI Card of your choice, then click on Learn More. Post that click on Apply Now, it will take you to next page where you can provide the required personal information to apply for card.
(Or)
We would request you to download the application form from website www.sbicard.com and complete the form in all respects and send the original form at the below mentioned address.
SBI Cards and Payments Services Pvt. Ltd,
P.O Box No-16, G.P.O
New Delhi-110001
After completion of necessary formalities, if these adhere as per the policy, we would be able to send your card.
Meaning SBI card can be applied offline by filling form & sending it via post.
So I went to SBI site, scrolled down then click on form center & found this form (attached).
Whoever is unable to get SBI card, please try this method manually & update here.
I believe this can work because SBI will do all verification & stuff manually including CIBIL check. On the other hand, in online application, CIBIL thing is automated & rejects customer instantly citing internal policy (over leveraged).
P.s. - This is an experimental post & doesn't guarantee 100% approval with trick.
If you copy this post, don't forget to give credit to OP.
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I agree, it may or may not. Things are possible in both way.
So who is doing the experiment??
Are you asking someone to try and post the result for you ...wonderful... SBI agents are der in most of the big malls.. who process application offline.. the method you are suggesting is similar..
I remember 1st SBI card that I got was completely offline.. agent came to office with bunch of documents which I had to sign blindly (was young didn't cared what I was signing )
It's a piece of information.
If anyone would want to try, there are many folks including have great card but unable to get SBI cards, might try this & won't bother for a CIBIL enquiry.
if I was so selfish I wouldn't have posted this & would have kept this to me only 🤣.
If it works, works for everyone or if it's not then it's not for everyone.
FYI, I already have SBI cashback card & procuring 2nd SBI card is also in the way. Since, I'm not over leveraged, doesn't make sense to me to personally try this 🤣.
The CIBIL check may still be done by their system only even in offline application. They will enter your PAN in their system and their system will go through your CIBIL and show them the primary conclusion as per the algorithm of SBI. Anyways you can yourself try and report back here and take full credit instead of partial credit if it works.