Pan Removal for credit card

[Ayan37]

I have a question that if I used a credit card of a bank earlier but closed it due to not getting good value back and later want to apply another card of the same bank then do I have to request PAN card removal from the system first? Or just apply for the card. Because when i apply BOB & SBI card i face this issue. please help

 

[ChinmayG]

Even if you remove PAN card from their system, once you have used and closed their bank's card they will have a record for a lifetime. So whenever you will apply again they will check your previous data for sure.

 

[Ayan37]

so what can i do now? bank representative told me first removed pan then apply new card.

 

[ChinmayG]

It's unusual that you can't remove your PAN card from their system. However, you can request the credit scoring company to update your card closure status, which might help resolve the issue. Alternatively, you could visit the bank branch in person for assistance.

 

[krishna1718]

so what can i do now? bank representative told me first removed pan then apply new card.

Get NOC for creditcard and then wait for 6 month then you can reapply any creditcard based on cibil or income only your new creditcard will be accepted or rejected

 

[Ayan37]

I have NOC letter from sbi bank which is almost 9 months old. But I face this problem recently when I go to apply SBI card. And I don't have any NOC from Bank of Baroda but I closed SBI and BANK OF BARODA card almost at the same time for not getting any value.

And if I apply the card by myself, I can get lifetime free or the card I need now, so I am trying to get it done by the bank representative and then they are saying these things.

The two cards I need are –

1. SBI CASHBACK LTF
2. BOB Eterna LTF

 

[krishna1718]

I have NOC letter from sbi bank which is almost 9 months old. But I face this problem recently when I go to apply SBI card. And I don't have any NOC from Bank of Baroda but I closed SBI and BANK OF BARODA card almost at the same time for not getting any value.

And if I apply the card by myself, I can get lifetime free or the card I need now, so I am trying to get it done by the bank representative and then they are saying these things.

The two cards I need are –

1. SBI CASHBACK LTF
2. BOB Eterna LTF

you never get sbi cashback lft its most demanding card and its big burden to sbi so they restricting new customers now a days bob eterna lft can only possible by upgrade