SBI forcing a Credit Card on me!

POSTED BY Zaib ON June 29, 2012 3:01 pm COMMENTS (4)

Hi Manish/Everyone,

Today I got a call from SBI that my credit card has been returned and is pending to be delivered to me. The thing is I never applied for any SBI card and don’t know how this happened.

Anyway I have refused to take a delivery and asked them not to send it over to me. Will this in any case affect my CIBIL score? Do I need to take any further action?

Kindly guide me in this regard.


4 replies on this article “SBI forcing a Credit Card on me!”

  1. says:

    Thanks Parag and Ashal for the clarifications.

    One thing that confuses me is that as the Credit Card is not linked to any of my bank accounts, how can they bill me for the charges if any?

    And in any case the enquiry would have gone to CIBIL before the issuance of the card, so does that hurt my rating too??

    ~ Zaib.

    1. Dear Zaib, they ‘ll send you the bill & being the holder of the card, it ‘ll be your liability to pay the dues.



  2. Dear Zaib, as you did not ask for a credit card, your Cibil score ‘ll not be affected. Still you can check for your own safety that no charges are levied on your for that not demanded card.



  3. Parag Kumar says:

    I dont think so…..

    CIBIL rating is affected in case u dont pay yur credit card bill sor dont pay EMI’s of loans promptly.

    As u havent used that credit card, it wont affect your CIBIL rating in any way.


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