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I got a call from SBI and they are forcing me to get their credit card. I don’t use cards. What should I do?
Hey, if SBI is calling you and pushing a credit card you don’t want, here’s a simple way to handle it: Verify the Call: Make sure the call is actually from SBI. Ask for the caller’s name and contact details, then check with SBI’s official contact number. Politely Decline: Tell them you’re not intereRead more
Hey, if SBI is calling you and pushing a credit card you don’t want, here’s a simple way to handle it:
Verify the Call: Make sure the call is actually from SBI. Ask for the caller’s name and contact details, then check with SBI’s official contact number.
Politely Decline: Tell them you’re not interested. Something like, “Thanks, but I don’t want a credit card right now.”
Ask to Opt-Out: Request to be removed from their marketing list to avoid future offers.
Follow Up in Writing: If you want, send a quick email or letter to confirm your request to not receive any more offers.
Block the Number: If calls keep coming, block the number on your phone.
Register with Do Not Call List: Sign up with your country’s National Do Not Call Registry if you haven’t already.
That’s it! Just follow these steps, and you should be able to handle the situation easily.
See lessI missed my SBI credit card payment by one day. My due date was the 28th of every month, but I made the payment on the 29th morning. Will I be charged with a late fine and interest on the next statement?
Hey, so you missed your SBI credit card payment by one day. Here's what you need to know: Late Fee: You’ll likely be charged a late fee on your next statement since you paid on the 29th instead of the 28th. The fee is usually fixed or a percentage of your balance. Interest Rates: There might be an iRead more
Hey, so you missed your SBI credit card payment by one day. Here’s what you need to know:
Late Fee: You’ll likely be charged a late fee on your next statement since you paid on the 29th instead of the 28th. The fee is usually fixed or a percentage of your balance.
Interest Rates: There might be an increase in your interest rate due to the late payment. This is often called a penalty APR.
Next Steps:
Check Your Statement: Look at your next statement to see any fees or interest charged.
Review Your Credit Report: Check your credit report to see if the late payment affected your score.
Contact SBI: Call customer service to explain and see if they can waive the fee, especially if it’s your first slip-up.
To avoid this in the future:
Set Up Auto Payments: This way, you never miss a due date.
See lessUse Reminders: Set alerts a few days before your payment is due.
That’s it! If you keep an eye on these things, you’ll stay on top of your payments and avoid extra charges.
Can I cancel an SBI credit card request on the verification call? If yes, is there any charge?
Hey, if you're wondering whether you can cancel your SBI credit card request during the verification call, here's the scoop: Yes, you can cancel your application during the verification call. Just let the SBI representative know right then and there that you want to cancel. They’ll take care of it,Read more
Hey, if you’re wondering whether you can cancel your SBI credit card request during the verification call, here’s the scoop:
Yes, you can cancel your application during the verification call. Just let the SBI representative know right then and there that you want to cancel. They’ll take care of it, and you won’t face any charges for doing so.
Here’s what you need to do:
During the Call: Clearly state that you want to cancel your application.
Get Confirmation: Make sure you receive a confirmation via email or SMS that your request was canceled.
Charges and Impact:
No Cancellation Fee: SBI won’t charge you anything for canceling before the card is issued.
See lessNo Effect on Credit Score: It won’t affect your credit score since the card hasn’t been issued yet.
If you have any other questions or need more help, just give SBI customer service a shout.
Can an SBI employee call for credit card upgradation? If they have sent an OTP, is it okay to share it with them? What if they gain access to my account, can they make any changes to it?
If an SBI employee calls you about a credit card upgrade, it’s possible they might be legit, but here’s the important part — never share your OTP with anyone, not even an SBI employee. OTPs are meant to protect your account, and no real bank employee will ask for them over the phone. Here’s why sharRead more
If an SBI employee calls you about a credit card upgrade, it’s possible they might be legit, but here’s the important part — never share your OTP with anyone, not even an SBI employee. OTPs are meant to protect your account, and no real bank employee will ask for them over the phone.
Here’s why sharing your OTP is a bad idea:
They can access your account and make unauthorized changes.
You risk losing money if they conduct transactions without your permission.
They could steal your identity and use it for fraud.
If you’re ever unsure about a call, just hang up and call SBI’s official number to verify. If you’ve already shared your OTP, act fast:
Block your card by calling SBI immediately.
See lessChange your passwords and monitor your account for weird transactions.
Report it to SBI and, if needed, cybercrime authorities.
Remember bro, never share your OTP, and if something feels off, always confirm directly with the bank.
My dad has credit cards from SBI, HDFC, and ICICI banks and we pay debt each month for all cards properly. Suddenly, my dad passed away. What should I do?
Here’s a quick guide to handle the credit card debt: Notify the Banks: Contact SBI, HDFC, and ICICI with a death certificate and ask them to freeze the accounts. Check Terms: Review the credit card terms to see if the debt falls to the estate or if co-signers are responsible. Assess the Estate: LookRead more
Here’s a quick guide to handle the credit card debt:
Notify the Banks: Contact SBI, HDFC, and ICICI with a death certificate and ask them to freeze the accounts.
Check Terms: Review the credit card terms to see if the debt falls to the estate or if co-signers are responsible.
Assess the Estate: Look at the assets and debts to manage how the estate can pay off the credit card balances.
Get Legal Help: If needed, consult a probate attorney to help settle the estate.
Prevent Fraud: Secure the deceased’s personal information to avoid identity theft.
Document Everything: Keep records of all communications and actions taken.
Update Credit Bureaus: Notify them to prevent misuse of the deceased’s identity.
If you need more help, consider talking to a financial advisor.
See lessCan I give my credit card number, CVV, or password to SBI customer care if I want to know about the card and fraud?
Hey bro, no, you should never give your credit card number, CVV, or password to SBI customer care—no matter the reason. Here’s what you need to know: SBI will never ask for your full card number, CVV, or password when you contact them. If you're calling about an issue with your card or reporting fraRead more
Hey bro, no, you should never give your credit card number, CVV, or password to SBI customer care—no matter the reason.
Here’s what you need to know:
SBI will never ask for your full card number, CVV, or password when you contact them.
If you’re calling about an issue with your card or reporting fraud, they’ll ask for basic details like your name or the last four digits of your card, but nothing more.
Sharing those sensitive details can lead to fraud or unauthorized transactions.
What should you do if there’s fraud?
Contact SBI customer care immediately.
They’ll block the card and issue a new one.
Keep an eye on your account for suspicious transactions.
Best Practices:
Never share your CVV, PIN, or password.
See lessRegularly check your transactions.
Use strong, unique passwords and update them regularly.
Set up SMS/email alerts for any card activity.
That’s it—just stay safe and don’t share your card details!
My father was a holder of an SBI credit card and in April he suddenly passed away due to a heart attack. Now, the card has some outstanding debt and the bank is calling every day to repay it, but I don't have money. What should I do?
Hey brother, I know this is a tough time. Handling things after a loved one’s passing is never easy, but let me help you with this situation. If your father had some outstanding debt on his SBI credit card, here's what you need to do: 1. Don’t Panic – You’re Not Personally Responsible First off, unlRead more
Hey brother, I know this is a tough time. Handling things after a loved one’s passing is never easy, but let me help you with this situation. If your father had some outstanding debt on his SBI credit card, here’s what you need to do:
1. Don’t Panic – You’re Not Personally Responsible
First off, unless you’re a co-signer or joint account holder, you are not personally responsible for paying off the debt. The debt will be settled through your father’s estate.
2. Notify SBI About His Passing
Call SBI’s customer service and inform them of your father’s death. They’ll ask for a death certificate, so have that ready. This will pause their collection efforts temporarily.
3. Stop Using the Card
If there were any additional cardholders, make sure no one uses the card anymore. Continuing to use the card could cause problems.
4. Check if the Estate Can Pay
Your father’s debt should be paid from his estate—whatever savings, property, or assets he had. If the estate has enough funds, they’ll use it to pay off the credit card balance.
5. Handling Collection Calls
Explain the situation to SBI if they keep calling. Let them know the estate is being processed. If the estate doesn’t have enough funds, they can’t force you to pay.
If they become pushy, request everything in writing, which can give you time to sort things out.
6. Negotiation or Insolvency
See lessIf the estate can’t pay the debt, sometimes you can negotiate a settlement with the bank. But again, you’re not responsible for it personally.
How to apply for an SBI credit card
Hey! If you’re looking to get an SBI credit card, here’s a straightforward guide to help you through it. 1. Pick the Right Card First, figure out which SBI credit card suits you best. Whether it’s for cashback, rewards, or travel perks, choose one that fits your spending habits. 2. Check EligibilityRead more
Hey! If you’re looking to get an SBI credit card, here’s a straightforward guide to help you through it.
1. Pick the Right Card
First, figure out which SBI credit card suits you best. Whether it’s for cashback, rewards, or travel perks, choose one that fits your spending habits.
2. Check Eligibility
Make sure you meet these basic requirements:
Age: 21 to 70 years.
Income: Depends on the card, but usually requires a steady income.
Credit Score: Aim for a score above 750.
Employment: Both salaried and self-employed can apply.
3. Gather Your Documents
You’ll need:
ID Proof: Passport, Aadhaar card, or driver’s license.
Address Proof: Utility bill, rent agreement, or bank statement.
Income Proof: Salary slips or bank statements.
Photographs: Passport-sized photos.
4. Apply
You can apply in two ways:
Online: Go to the SBI credit card website, fill out the form, and submit.
Offline: Pick up an application form at an SBI branch, fill it out, and submit it with your documents.
5. Wait for Processing
SBI will review your application, check your credit score, and may ask for more info. They’ll notify you once it’s approved.
6. Get Your Card
Once approved, your card will be mailed to you. Follow the instructions in the welcome kit to activate it. You can usually do this through the SBI app, online banking, or by calling customer care.
Tips for Success
Keep Your Credit Score Healthy: Check and improve your score before applying.
See lessProvide Accurate Info: Double-check your application details to avoid delays.
And that’s it! Just follow these steps, and you’ll have your SBI credit card in no time.
Is the SBI Elite credit card worth it to use now?
Hey bro, you’re probably wondering if the SBI Elite Credit Card is worth using, especially with that annual fee. Let me break it down for you quickly. 1. Welcome Benefits & Rewards You get ₹5,000 worth of vouchers as soon as you join. These can be used at places like Yatra, Pantaloons, and ShoppRead more
Hey bro, you’re probably wondering if the SBI Elite Credit Card is worth using, especially with that annual fee. Let me break it down for you quickly.
1. Welcome Benefits & Rewards
You get ₹5,000 worth of vouchers as soon as you join. These can be used at places like Yatra, Pantaloons, and Shoppers Stop.
Every time you spend ₹100, you earn 2 reward points. For dining, groceries, and movies, you get 10 points.
You can redeem these points for air miles, shopping, etc.
2. Lounge Access
8 free international lounge visits a year through Priority Pass (2 per quarter).
6 free domestic lounge visits across India.
3. Annual Fee:
The card costs ₹4,999/year, but the welcome vouchers and lounge access alone can make up for it if you use them.
4. Movie & Dining Perks
You get up to ₹6,000 in free movie tickets each year.
Also, exclusive dining offers at select restaurants.
5. Milestone Benefits
Spend ₹3 lakh in a year? Get a ₹3,000 voucher.
Spend ₹5 lakh? You get an additional ₹4,000 voucher.
Higher spenders benefit more from this.
6. Fuel Waiver:
1% fuel surcharge waiver for transactions between ₹500-₹4,000. Handy if you drive a lot.
7. Insurance Coverage
Air accident insurance worth ₹50 lakh.
Fraud liability of up to ₹1 lakh.
Lost baggage insurance for international travel.
Should You Get It?
If you travel a lot or spend on luxury experiences, this card can pay for itself through the lounge access, vouchers, and rewards. But if you don’t plan to use these perks, the high fee might not be worth it for you.
So yeah, if you’re into premium perks and can take advantage of the rewards, go for it. Otherwise, there are cheaper cards with similar benefits.
See lessIf I pay the minimum due amount instead of the total due. What would be the interest for the remaining amount of the SBI Credit card?
Hey brother, here’s what happens if you pay only the minimum due on your SBI Credit Card: Minimum Due Explained: It’s usually around 5% of your total outstanding balance. Paying it avoids late fees, but doesn’t clear your debt. Interest Accrues on Remaining Balance: If you don’t pay the full balanceRead more
Hey brother, here’s what happens if you pay only the minimum due on your SBI Credit Card:
Minimum Due Explained: It’s usually around 5% of your total outstanding balance. Paying it avoids late fees, but doesn’t clear your debt.
Interest Accrues on Remaining Balance: If you don’t pay the full balance, interest kicks in on the unpaid amount. This interest is around 2.5% to 3.5% monthly (30-42% annually).
No More Interest-Free Period: You lose the interest-free window for new purchases. Interest will start from the day you make a new transaction.
Daily Interest Calculation: Interest is calculated daily on your remaining balance, making it stack up quickly if you keep paying the minimum.
Compounding Debt: The longer you pay just the minimum, the more interest you owe. It can lead to a debt spiral, where your balance grows even if you keep making payments.
Solution:
Pay More than the Minimum: Even paying a bit more can reduce the interest burden.
See lessClear Full Balance When Possible: This avoids interest altogether.
Consider EMI: For big purchases, convert them into EMIs to spread the cost with lower interest.
Paying the minimum is fine for emergencies, but doing it often can be expensive.