Re: [AI] Queries regarding SBI credit card

2022-12-25 Thread Mission Accessibility
Good morning. I would be happy to take this up legally on behalf of all those 
who are keen to serve as complainants. We can either approach the CCPD or the 
banking ombudsman. This does not come within the realm of digital 
Accessibility, so I will take it up in my individual capacity. Please write to 
me at rahul.bajaj1...@gmail.com with all your documentation and call me on 
9890281068 to follow up.

Rahul

Sent from Outlook for iOS<https://aka.ms/o0ukef>

From: accessindia@accessindia.org.in  on behalf 
of Mohib Anwar Rafay 
Sent: Sunday, December 25, 2022 8:12:06 PM
To: accessindia@accessindia.org.in 
Subject: Re: [AI] Queries regarding SBI credit card

Generally they dont reveal any specific reason, and simply communicate
, due to our internal policy we can not offer you the credit card at
this moment. But behind this internal policy there may be several
reasons to be comprehended by the applicant himself!
For instance, this thumb impression might be one of the reasons, and
another reason could be low credit or cibil score.
In my case I got two rejection from axis bank for Google ACE credit
card due to internal policy, when i enquired about it, they informed
me since i have already 3 cards of Axis Bank, no further card can be
issued to you. If they will reveal this reason to me, defenetly i
would have closed one of the three cards i am having currently before
applying this google ACE card which is more beneficial.
By the way, i am partially and put my signature in all communications
and tranzactions, and i have more than 12 credit cards of different 5
banks. No bank raised any issue regarding my visual impairment despite
knowing i am low vision person at th etime of varrification or kyc.

On 12/25/22, Harshit Lohia  wrote:
> Hi,
> In the Master Circular on Loans and Advances dated  1st July, 2015 it is
> clearly mentioned that
> "In case of all categories of loans irrespective of any threshold
> limits, including credit card applications, the lenders should convey
> in writing, the main reason/reasons which, in the opinion of the bank
> after due consideration, have led to rejection of the loan
> applications within stipulated time".
>
> Further, in the Master Direction – Credit Card and Debit Card –
> Issuance and Conduct Directions, 2022 dated 21st April, 2022 it is
> clearly stated that
>   In case of rejection of a credit card application, the card-issuer
> shall convey in writing the specific reason/s which led to the
> rejection of the application.
> As per the above two instructions of RBI, all credit card issuers have
> to disclose in writing reason for rejecting credit card application.
> The above 2 circulars should be invariably quoted in written complaint
> to SBI Card at email id: servi...@sbicard.com
> In the email also mention that as per Para 10.3 of Master circular on
> Customer Service in Banks dated July 1, 2015 "Banks should therefore
> ensure that all the banking facilities such as cheque book facility
> including third party cheques, ATM facility, Net banking facility,
> locker facility, retail loans, credit cards etc., are invariably
> offered to the visually challenged without any discrimination".
> Persons with vision impairment cannot be discriminated against on the
> basis of thumb impression as per below two regulatory guidelines
> i)Para 9.1, 9.2 (Clause a), and 9.3 (Clause a) of Master Circular on
> Customer Service in Banks dated July 1, 2015.
> ii)   As per Para 2 (Clause e) of circular ‘Banking Facilities to Senior
> Citizens and Differently Abled’ dated November 9, 2017 facilities
> offered to sick/old/incapacitated persons who operate their account
> with thumb/toe impression is extended to persons with vision
> impairment also.
>
> Further state that
> SBI Card is requested to issue me credit card as I am legally
> competant to contract. In case of non-compliance within 30 calendar
> days, I am afraid that I will be compelled to approach Banking
> Ombudsman through CMS portal of RBI for redressal of my grievance in
> accordance with the provisions of Reserve Bank-Integrated Ombudsman
> Scheme, 2021. Please also be advised that as per Para 8 of Statement
> on Developmental and Regulatory Policy dated October 8, 2017 Banking
> Ombudsman has been empowered to take up complaints if persons with
> disability are denied any banking service on pretext of disability.
>
>
>
> On 12/22/22, Kakarla Nageswaraiah  wrote:
>> Dear all,
>>
>> I have a salary account with the SBI.  I'm also using an SBI ATM card.
>>
>> Nowadays, I'm getting calls from the Bank offering credit card but
>> after applying, I get the message declining the card to me without
>> assigning any reason therefor.
>>
>> In this connection, I'd like t

Re: [AI] Queries regarding SBI credit card

2022-12-25 Thread Mohib Anwar Rafay
Generally they dont reveal any specific reason, and simply communicate
, due to our internal policy we can not offer you the credit card at
this moment. But behind this internal policy there may be several
reasons to be comprehended by the applicant himself!
For instance, this thumb impression might be one of the reasons, and
another reason could be low credit or cibil score.
In my case I got two rejection from axis bank for Google ACE credit
card due to internal policy, when i enquired about it, they informed
me since i have already 3 cards of Axis Bank, no further card can be
issued to you. If they will reveal this reason to me, defenetly i
would have closed one of the three cards i am having currently before
applying this google ACE card which is more beneficial.
By the way, i am partially and put my signature in all communications
and tranzactions, and i have more than 12 credit cards of different 5
banks. No bank raised any issue regarding my visual impairment despite
knowing i am low vision person at th etime of varrification or kyc.

On 12/25/22, Harshit Lohia  wrote:
> Hi,
> In the Master Circular on Loans and Advances dated  1st July, 2015 it is
> clearly mentioned that
> "In case of all categories of loans irrespective of any threshold
> limits, including credit card applications, the lenders should convey
> in writing, the main reason/reasons which, in the opinion of the bank
> after due consideration, have led to rejection of the loan
> applications within stipulated time".
>
> Further, in the Master Direction – Credit Card and Debit Card –
> Issuance and Conduct Directions, 2022 dated 21st April, 2022 it is
> clearly stated that
>   In case of rejection of a credit card application, the card-issuer
> shall convey in writing the specific reason/s which led to the
> rejection of the application.
> As per the above two instructions of RBI, all credit card issuers have
> to disclose in writing reason for rejecting credit card application.
> The above 2 circulars should be invariably quoted in written complaint
> to SBI Card at email id: servi...@sbicard.com
> In the email also mention that as per Para 10.3 of Master circular on
> Customer Service in Banks dated July 1, 2015 "Banks should therefore
> ensure that all the banking facilities such as cheque book facility
> including third party cheques, ATM facility, Net banking facility,
> locker facility, retail loans, credit cards etc., are invariably
> offered to the visually challenged without any discrimination".
> Persons with vision impairment cannot be discriminated against on the
> basis of thumb impression as per below two regulatory guidelines
> i)Para 9.1, 9.2 (Clause a), and 9.3 (Clause a) of Master Circular on
> Customer Service in Banks dated July 1, 2015.
> ii)   As per Para 2 (Clause e) of circular ‘Banking Facilities to Senior
> Citizens and Differently Abled’ dated November 9, 2017 facilities
> offered to sick/old/incapacitated persons who operate their account
> with thumb/toe impression is extended to persons with vision
> impairment also.
>
> Further state that
> SBI Card is requested to issue me credit card as I am legally
> competant to contract. In case of non-compliance within 30 calendar
> days, I am afraid that I will be compelled to approach Banking
> Ombudsman through CMS portal of RBI for redressal of my grievance in
> accordance with the provisions of Reserve Bank-Integrated Ombudsman
> Scheme, 2021. Please also be advised that as per Para 8 of Statement
> on Developmental and Regulatory Policy dated October 8, 2017 Banking
> Ombudsman has been empowered to take up complaints if persons with
> disability are denied any banking service on pretext of disability.
>
>
>
> On 12/22/22, Kakarla Nageswaraiah  wrote:
>> Dear all,
>>
>> I have a salary account with the SBI.  I'm also using an SBI ATM card.
>>
>> Nowadays, I'm getting calls from the Bank offering credit card but
>> after applying, I get the message declining the card to me without
>> assigning any reason therefor.
>>
>> In this connection, I'd like to know whether SBI has any policy to
>> deny credit card facility to the blind on account of thumb impression.
>>
>> Secondly, please advise as to what I should do in the event of one
>> more rejection.
>>
>> Thanks and regards.
>>
>> --
>> కాకర్ల నాగేశ్వరయ్య
>>
>> K. Nageswaraiah
>>
>> --
>> Disclaimer:
>> 1. Contents of the mails, factual, or otherwise, reflect the thinking of
>> the
>> person sending the mail and AI in no way relates itself to its veracity;
>>
>> 2. AI cannot be held liable for any commission/omission based on the
>> mails
>> sent through this mailing list..
>>
>>
>> Search for old postings at:
>> http://www.mail-archive.com/accessindia@accessindia.org.in/
>> ---
>> You received this message because you are subscribed to the Google Groups
>> "AccessIndia" group.
>> To unsubscribe from this group and stop receiving emails from it, send an
>> email to accessindia+unsubscr...@accessindia.org.in.

Re: [AI] Queries regarding SBI credit card

2022-12-24 Thread Harshit Lohia
Hi,
In the Master Circular on Loans and Advances dated  1st July, 2015 it is
clearly mentioned that
"In case of all categories of loans irrespective of any threshold
limits, including credit card applications, the lenders should convey
in writing, the main reason/reasons which, in the opinion of the bank
after due consideration, have led to rejection of the loan
applications within stipulated time".

Further, in the Master Direction – Credit Card and Debit Card –
Issuance and Conduct Directions, 2022 dated 21st April, 2022 it is
clearly stated that
  In case of rejection of a credit card application, the card-issuer
shall convey in writing the specific reason/s which led to the
rejection of the application.
As per the above two instructions of RBI, all credit card issuers have
to disclose in writing reason for rejecting credit card application.
The above 2 circulars should be invariably quoted in written complaint
to SBI Card at email id: servi...@sbicard.com
In the email also mention that as per Para 10.3 of Master circular on
Customer Service in Banks dated July 1, 2015 "Banks should therefore
ensure that all the banking facilities such as cheque book facility
including third party cheques, ATM facility, Net banking facility,
locker facility, retail loans, credit cards etc., are invariably
offered to the visually challenged without any discrimination".
Persons with vision impairment cannot be discriminated against on the
basis of thumb impression as per below two regulatory guidelines
i)  Para 9.1, 9.2 (Clause a), and 9.3 (Clause a) of Master Circular on
Customer Service in Banks dated July 1, 2015.
ii) As per Para 2 (Clause e) of circular ‘Banking Facilities to Senior
Citizens and Differently Abled’ dated November 9, 2017 facilities
offered to sick/old/incapacitated persons who operate their account
with thumb/toe impression is extended to persons with vision
impairment also.

Further state that
SBI Card is requested to issue me credit card as I am legally
competant to contract. In case of non-compliance within 30 calendar
days, I am afraid that I will be compelled to approach Banking
Ombudsman through CMS portal of RBI for redressal of my grievance in
accordance with the provisions of Reserve Bank-Integrated Ombudsman
Scheme, 2021. Please also be advised that as per Para 8 of Statement
on Developmental and Regulatory Policy dated October 8, 2017 Banking
Ombudsman has been empowered to take up complaints if persons with
disability are denied any banking service on pretext of disability.



On 12/22/22, Kakarla Nageswaraiah  wrote:
> Dear all,
>
> I have a salary account with the SBI.  I'm also using an SBI ATM card.
>
> Nowadays, I'm getting calls from the Bank offering credit card but
> after applying, I get the message declining the card to me without
> assigning any reason therefor.
>
> In this connection, I'd like to know whether SBI has any policy to
> deny credit card facility to the blind on account of thumb impression.
>
> Secondly, please advise as to what I should do in the event of one
> more rejection.
>
> Thanks and regards.
>
> --
> కాకర్ల నాగేశ్వరయ్య
>
> K. Nageswaraiah
>
> --
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking of the
> person sending the mail and AI in no way relates itself to its veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the mails
> sent through this mailing list..
>
>
> Search for old postings at:
> http://www.mail-archive.com/accessindia@accessindia.org.in/
> ---
> You received this message because you are subscribed to the Google Groups
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>


-- 
Thanks & Regards
Harshit Lohia

-- 
Disclaimer:
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person sending the mail and AI in no way relates itself to its veracity;

2. AI cannot be held liable for any commission/omission based on the mails sent 
through this mailing list..


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Re: [AI] Queries regarding SBI credit card

2022-12-24 Thread kota prabhu
i  am disappointed, dishearted and felt abused as my complaint was
closed without enquiring anything
even the regulator doesnt know how to handle complaint means?

On 24/12/2022, rituraj meena  wrote:
> You should reopen your complain and tell this thing to RBI
>
> --
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking of the
> person sending the mail and AI in no way relates itself to its veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the mails
> sent through this mailing list..
>
>
> Search for old postings at:
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>


-- 
   thanks and   regards
your'sPRABHU K.
phone:  +91 8464070041
you can give me a personal message by clicking the link below!!
kota.pra...@gmail.com
lets connect on facebook:
https://facebook.com/kota.prabhu?v=info=17=pymk
99% of our problems are caused by 1% of our carelessness and negligence

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2. AI cannot be held liable for any commission/omission based on the mails sent 
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Re: [AI] Queries regarding SBI credit card

2022-12-24 Thread rituraj meena

You should reopen your complain and tell this thing to RBI

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Re: [AI] Queries regarding SBI credit card

2022-12-24 Thread kota prabhu
there is no use of approaching ombudsman even if your card is rejected
because of thumb impression.
 recently my application with axisbank was rejected without giving any reason.
when i  approached ombudsman, they replied that i  gave incorrect pan
number even though I  have applied online and there is no chance of
accepting incorrect pan details.
 RBI  closed my complaint even without investigating it.

On 22/12/2022, kannan balasubramanian  wrote:
> If you are able to sign in the credit card application form, instead
> of putting thumb impression, the banks are ready to issue credit card.
> I am having SBI credit card.
>
> You can approach bank ombutsman/grievance department as you are SBI
> customer to resolve your issue.
>
> Thank you.
>
> B. KANNAN
> Mobile: +919444049216.
>
> On 12/22/22, Kakarla Nageswaraiah  wrote:
>> Dear all,
>>
>> I have a salary account with the SBI.  I'm also using an SBI ATM card.
>>
>> Nowadays, I'm getting calls from the Bank offering credit card but
>> after applying, I get the message declining the card to me without
>> assigning any reason therefor.
>>
>> In this connection, I'd like to know whether SBI has any policy to
>> deny credit card facility to the blind on account of thumb impression.
>>
>> Secondly, please advise as to what I should do in the event of one
>> more rejection.
>>
>> Thanks and regards.
>>
>> --
>> కాకర్ల నాగేశ్వరయ్య
>>
>> K. Nageswaraiah
>>
>> --
>> Disclaimer:
>> 1. Contents of the mails, factual, or otherwise, reflect the thinking of
>> the
>> person sending the mail and AI in no way relates itself to its veracity;
>>
>> 2. AI cannot be held liable for any commission/omission based on the
>> mails
>> sent through this mailing list..
>>
>>
>> Search for old postings at:
>> http://www.mail-archive.com/accessindia@accessindia.org.in/
>> ---
>> You received this message because you are subscribed to the Google Groups
>> "AccessIndia" group.
>> To unsubscribe from this group and stop receiving emails from it, send an
>> email to accessindia+unsubscr...@accessindia.org.in.
>> To view this discussion on the web visit
>> https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CACvtp9DLNhcs%3DEQBr%3DPUrcssBjWpqKBm57RDfZ%3DpEJ7r9K3Jjg%40mail.gmail.com.
>>
>
> --
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking of the
> person sending the mail and AI in no way relates itself to its veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the mails
> sent through this mailing list..
>
>
> Search for old postings at:
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> ---
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>


-- 
   thanks and   regards
your'sPRABHU K.
phone:  +91 8464070041
you can give me a personal message by clicking the link below!!
kota.pra...@gmail.com
lets connect on facebook:
https://facebook.com/kota.prabhu?v=info=17=pymk
99% of our problems are caused by 1% of our carelessness and negligence

-- 
Disclaimer:
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person sending the mail and AI in no way relates itself to its veracity;

2. AI cannot be held liable for any commission/omission based on the mails sent 
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Re: [AI] Queries regarding SBI credit card

2022-12-22 Thread kannan balasubramanian
If you are able to sign in the credit card application form, instead
of putting thumb impression, the banks are ready to issue credit card.
I am having SBI credit card.

You can approach bank ombutsman/grievance department as you are SBI
customer to resolve your issue.

Thank you.

B. KANNAN
Mobile: +919444049216.

On 12/22/22, Kakarla Nageswaraiah  wrote:
> Dear all,
>
> I have a salary account with the SBI.  I'm also using an SBI ATM card.
>
> Nowadays, I'm getting calls from the Bank offering credit card but
> after applying, I get the message declining the card to me without
> assigning any reason therefor.
>
> In this connection, I'd like to know whether SBI has any policy to
> deny credit card facility to the blind on account of thumb impression.
>
> Secondly, please advise as to what I should do in the event of one
> more rejection.
>
> Thanks and regards.
>
> --
> కాకర్ల నాగేశ్వరయ్య
>
> K. Nageswaraiah
>
> --
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking of the
> person sending the mail and AI in no way relates itself to its veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the mails
> sent through this mailing list..
>
>
> Search for old postings at:
> http://www.mail-archive.com/accessindia@accessindia.org.in/
> ---
> You received this message because you are subscribed to the Google Groups
> "AccessIndia" group.
> To unsubscribe from this group and stop receiving emails from it, send an
> email to accessindia+unsubscr...@accessindia.org.in.
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>

-- 
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through this mailing list..


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RE: [AI] Queries regarding SBI credit card

2022-12-21 Thread Shek Mohammad Ali
Apologies I just replied to the wrong thread.
Please check your Cibil score and Minimum is 750 I think.
This is the major reason declining your Credit card application.

-Original Message-
From: accessindia@accessindia.org.in  On Behalf 
Of Kakarla Nageswaraiah
Sent: Thursday, December 22, 2022 11:52 AM
To: accessindia@accessindia.org.in
Subject: [AI] Queries regarding SBI credit card

Dear all,

I have a salary account with the SBI.  I'm also using an SBI ATM card.

Nowadays, I'm getting calls from the Bank offering credit card but after 
applying, I get the message declining the card to me without assigning any 
reason therefor.

In this connection, I'd like to know whether SBI has any policy to deny credit 
card facility to the blind on account of thumb impression.

Secondly, please advise as to what I should do in the event of one more 
rejection.

Thanks and regards.

--
కాకర్ల నాగేశ్వరయ్య

K. Nageswaraiah

--
Disclaimer:
1. Contents of the mails, factual, or otherwise, reflect the thinking of the 
person sending the mail and AI in no way relates itself to its veracity;

2. AI cannot be held liable for any commission/omission based on the mails sent 
through this mailing list..


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Re: [AI] Queries regarding SBI credit card

2022-12-21 Thread rituraj meena
I knows about SBI credit card agent I cannot share her number here for the 
security purpose so please contact me on my personal mail Id or on my 
WhatsApp no. 8826010836. I am also hundred percent blind and I get my 
credit card at my thumb impression.


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[AI] Queries regarding SBI credit card

2022-12-21 Thread Kakarla Nageswaraiah
Dear all,

I have a salary account with the SBI.  I'm also using an SBI ATM card.

Nowadays, I'm getting calls from the Bank offering credit card but
after applying, I get the message declining the card to me without
assigning any reason therefor.

In this connection, I'd like to know whether SBI has any policy to
deny credit card facility to the blind on account of thumb impression.

Secondly, please advise as to what I should do in the event of one
more rejection.

Thanks and regards.

-- 
కాకర్ల నాగేశ్వరయ్య

K. Nageswaraiah

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