From where shud i apply sbi cashback credit card

[vimalkumarbansal]

My wife cibil score is not good, she just had one fd based idfc credit card but with no use till date. Her sbi saving account is offering pre approved credit card in which sbi cashback is also available ..
My query is if I apply her sbi cb card thru cashkaro or gromo type apps for extra cashback benfit and as it's pre approved from sbi bank website, will applying from third party will be accepted or not as cibil is poor.
Plz suggest

 

[QamarImam]

My wife cibil score is not good, she just had one fd based idfc credit card but with no use till date. Her sbi saving account is offering pre approved credit card in which sbi cashback is also available ..
My query is if I apply her sbi cb card thru cashkaro or gromo type apps for extra cashback benfit and as it's pre approved from sbi bank website, will applying from third party will be accepted or not as cibil is poor.
Plz suggest

First tell me about his CIBIL, what is his CIBIL status, are there any late payments?

The preapproved offer of SBI which is shown in netbanking is also a "subject to approval". During apply you will have to hit CIBIL, VKYC and verification process. after that you will get the card…

 

[vimalkumarbansal]

Her cibil is 639,in her gold loan account 3-4 entries were late one year back . But since then all okk, plz tell what u think of chances of this cards approval.

 

[QamarImam]

Cibil score is very poor bro,

You should wait for a few months so that your CIBIL score goes above 735 again

If there is no late payment in CIBIL, then some banks can give credit card even if the CIBIL is above 680+
But this is not the case in your case.

 

[vimalkumarbansal]

Ok thanks brother.