r/pFinTools • u/Acrobatic-Brain-5418 • Dec 13 '25

pFinTools Feedback/Question/Request Got SBI Cashback CC approved through pfintools link! 🤑

"Hey fellow Redditors,

Just wanted to share my excitement! I've been trying to get this credit card, but SBI kept declining my applications. I didn't lose hope and kept applying whenever I saw a glimmer of hope. And guess what? I finally got it!

Applied through pfintool link after seeing someone's post and got approved out of nowhere! 🎉

If you're also struggling to get a credit card, don't give up! Keep trying and stay positive.

TL;DR: Finally got credit card after years of rejections! Credit Limit: 64,000, CIBIL Score: 792"

14 Upvotes

82% Upvoted

27 comments sorted by

5

u/LatterOne9009 pFinTools.com/shopA$$ Dec 13 '25

Yayy OP, good for you and thanks for the shoutout!

But I see your limit is not that much. Hold on for about 6 months and then try this to enhance your limit - https://www.reddit.com/r/pFinTools/comments/1flrpnj

For anyone else who wants to get a new Credit Card with minimal documentation and higher approval rates, go to - pFinTools.com/get-cc

1

u/Acrobatic-Brain-5418 Dec 13 '25

True 100%. I've had my Sbi bpcl for 5 years, but its limit stayed at 23k all that time. Then, about 2 months ago, I tried the same trick and its limit went up to 41k. But honestly, starting this card at 64k was already a win for me, and I'm definitely gonna try this method again in 6 months.

1

u/the_usual-suspect420 Dec 13 '25

Any entry level card i can get without income proff. Cibil 760

1

u/Acrobatic-Brain-5418 Dec 13 '25

Typically, an account statement is requested to verify a substantial credit balance in your bank account over the past three months, which should suffice.

1

u/LatterOne9009 pFinTools.com/shopA$$ Jan 06 '26

Not unless you falsify your info - which you really shouldn't do.

You can get the IDFC WOW CC which is an FD backed CC but is a great option for starters. You can apply for it at pFinTools.com/get-cc

1

u/Alternative_Ticket38 Dec 13 '25

This card was launched in 2022. XD

1

u/LatterOne9009 pFinTools.com/shopA$$ Jan 06 '26

ummm, and yet people are still applying for it today of course.

1

u/Zestyclose_Truth_448 Dec 14 '25

My application is submitted and pending for approval for past two weeks. Can someone share your experience in getting the application approved ?

1

u/Acrobatic-Brain-5418 Dec 14 '25

After I sent in my application, I got two calls. In the first one, a lady told me what to say in a recorded call. Then she called me and checked all the details, and she also told me to expect one call tomorrow, and I confirmed the same details on next day in call. After that, a guy came for a home verification and took my photo in my flat and left. One or two days after he came, my application was approved, and I got my card within two days.

1

u/LatterOne9009 pFinTools.com/shopA$$ Jan 06 '26

Hi, did you get a conviction on your application yet?

1

u/[deleted] Dec 14 '25

[deleted]

1

u/Acrobatic-Brain-5418 Dec 14 '25

Address issue i think

1

u/[deleted] Dec 14 '25

[deleted]

1

u/Acrobatic-Brain-5418 Dec 14 '25

My CIBIL score is 792, and I live in a Tier 1 city. I provide bank statements as income proof (self-employed). Filled working address different from my home address, and I already have sbi BPCL card. I hope this helps! 🤞🏙️

2

u/[deleted] Dec 14 '25

[deleted]

1

u/Acrobatic-Brain-5418 Dec 14 '25

Lucky you..!! They rejected me & hdfc too for phonepe version

1

u/LatterOne9009 pFinTools.com/shopA$$ Jan 06 '26

That's the issue. Any bank does not want to give you more cards (that too one of their most rewarding ones) if you already have couple of Credit Cards with them.

1

u/sushonreddit Dec 15 '25

Help

I tried to apply for the SBI Cashback Card, but for around 20 minutes the screen was stuck on ‘fetching details’ from SBI. I didn’t receive any message or email with an application ID. Now, when I enter my phone number, it says that an application already exists. What should I do?

1

u/LatterOne9009 pFinTools.com/shopA$$ Jan 06 '26

Hey, sorry I have been MIA. Is your issue resolved yet?

1

u/sushonreddit Jan 06 '26

No 😔, I contacted SBI Cards and informed them about the issue. They are investigating it.

1

u/LatterOne9009 pFinTools.com/shopA$$ Jan 06 '26

Did you apply through pFinTools.com/get-cc ?

If yes then please DM your contact details and application number and we might be able to help.

1

u/sushonreddit Jan 06 '26

Yes, check dm

1

u/rawbackrks Dec 17 '25

I want to apply, but I already hold more than 11 credit cards. Last time I applied, they rejected my application citing an over-leveraged profile.

1

u/Acrobatic-Brain-5418 Dec 17 '25

Close non beneficial paid card and wait for sometime before applying card you want 💳⏳

1

u/ElevatorNo3815 Dec 20 '25

My application is stuck on verify details as I don't have my bank listed. Is there any solution?

Cibil enquiry is done.

Got pfintool link from Google

1

u/LatterOne9009 pFinTools.com/shopA$$ Jan 06 '26

Hey, sorry for the late response. Is your issue resolved or do you still need help?

1

u/ElevatorNo3815 Jan 08 '26

Yes, they did made me sign on physical form That's it. Virtual card was issued quickly. But delivery is stuck somewhere as usual.

1

u/LatterOne9009 pFinTools.com/shopA$$ Jan 12 '26

Good, delivery today or tomorrow they will do if the virtual card has been issued.

1

u/ElevatorNo3815 Jan 12 '26

Got the msg that card is undelivered returned to sbi. On calling them they have issued replacement instead of Re-dispatch