complaing for senior manager?

Question

ur senior manager . i have 2 account in above branch 1 savincard like itr, voter id, driving licence, adhar card, pan card, pasport, RC of a bussiness etc., but they are not be satisfied for all over document for a credit card. he said that prepare ur current account minimum 1-2 year and after it apply for overdraft than i will apply ur credit card. sir/madam, i want repply for above problem becouse however i know that a satisfied saving a/c statement and some other document like itr, pan card, 1 id & 1 adress proof is enough for credit card. so, i hope for ur reply earliest to earliest. please co-operate with me and sand ur reply

Answer 1

Dear Swami

Sincerely regret the delay in answering. We hope that your issue might have been resolved.  We would definitely like to assist you in future for any queries. If your problem still remains unresolved, the solution is as follows.

Banks issue credit cards, subject to extensive due diligence in regard to ID and Address proof and more specifically the creditworthiness of the applicant, relative credentials and also the CIBIL score.  This is because, the card is issued for certain clean credit limit, which the bank should feel assured of repayment.

Hence, you have to take up the issue, only with the branch manager, wherein you maintain your accounts and convince him to recommend for issuance of a credit card, which of course, is solely at the discretion of the Bank.

RAJA