What are the possible ways of rejection before getting BOB credit card?
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Hello Dimers,
Today applied BOB Snapdeal, around 6 months back BOB rejected for me after home verification
Some doubts I have are
1) What are the chances of rejection now?
2) Will they mandatorily do house and work verification again? (is it always done?)
3) Will they process application successfully? my CKYC is fetched while i was doing it
4) Do i have to do any Vkyc? (i think i didnt done any thing last time I forgot now)
So any one please shed some light for these doubts will greatly help out:)
please dont forget to comment:)
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as soon as this gets some good answers will put a request to move it to finance section:)
What's the reason given for the rejection? PSU bank hai. Kuch bhi kar sakta hai. They don't adhere to industry norms. 
Been searching email, phew finally found it
With reference to your Application Ref No. <_____________> and Application ID <______________> for Bank of Baroda credit card, we regret to inform that after a careful review of your application, we are unable to issue a credit card at this time basis our internal risk criteria.
Please note that the current decision is in no way reflective of your credit worthiness, and we will be happy to process your application when you apply again with updated financial information at a later date, as per our guidelines.
If you believe that we have missed something or misread your information or if you have any additional information like additional income, etc. that you wish to submit and that might influence our decision, please feel free to mail us [email protected] and we will be happy to consider it.
We greatly appreciate your interest in our products and look forward to have you as our customer in near future.
hehe i fall in the 2nd category in which you mentioned sadly 
no account
thanks for the valuable inputs:)
hmm so putting more amount in savings bank do help in BOB card approval chances ah? interesting to know that PSU bank is considering this aspect like in private bank
Useless card ..it will just makes your wallet thick..if u need BoB card for offers, take any LTF card from BoB and they will give free upgrade to snapdeal card within 1 month ( virtual)
so there is this way to take it as LTF damn didn't known that
i thought only bob snapdeal is good for upi so took it even if its paid
I got BOB card without VKYC or filed verification. Mostly for salaried rejection is low. BTW Snapdeal is useless why did you applied for it? Last month got Energie as second card. Best thing about BOB card you get 0.5% on UPI 2.5% on rail booking.
thanks for the valuable info
ah i applied as self employed, guess have to wait and see , they might reject again i guess for being self employed, from the looks of things, seems self employed the scrutiny is high
mhm i got snapdeal just for upi back up and 249 i think cheapest of fees
so these are the 2 reasons:) to chose it
Energie card i have my eyes on it but its not LTF so thought to get this snapdeal and if possible i might get Energie card via this way as LTF in future:) this was the plan
What was the reason to get this useless card? I have recently raised request to close the card.
for me i want one in BOB with cheap charges:) , then i can chose other cards within BOB one by one as preferably LTF
as i heard if you have one bob card you can get more easily:) so this is for that and also that rupay as back up with less fees
Case in my family. Tried as self employeed having savings account in BOB with 2lac in account as per the BoB CC support person in Bank.
Even already Having a SBI CC.
But finally rejected for BOB.
Aisa kaise credit card business krega Re ye BoB bank.
please dont forget to shift (finance)