Regarding credit cards.?

Question

Deer sir.I anjesh singh sence 11 year's my sealery account with uor bank. When I wisit  bank regarding credit card.ur staff not giving proper reply. Lastly he says u r not eligible for card.I want to know what catriea for credit card.my yearly sealry is above 3 laks.

Answer 1

Dear Anjesh,

At the outset, let me clarify that this site is designed by a group of senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

You will have to appreciate that banks issue credit card on invitation. Banks may follow different criterion for entertaining credit card applications. Besides other parameters, your long relationship would have been factored by the bank before declining your request.

If you are not satisfied with the treatment meted out by your bank you have  the option of exiting the relationship. There are many banks in the market offering credit cards. If you have a maintained good financial discipline and meet the eligibility criterion, I don't think you will face difficulty in getting a credit card from any bank. But the discretion to issue or not to issue credit card will always rest with the bank concerned.

Regards

 

J R Mohandas