u/marveleditz4k

Hi everyone,

I applied for the SBI SimplyCLICK Credit Card today and wanted to know what my approval chances are.

My credit profile:

CIBIL history: 7–8 months

CIBIL score: 773

Amazon Pay Later: ₹10,000 (7 months)

SBM FD-backed Credit Card: ₹1,800 limit (5 months)

Slice Credit Card: ₹65,000 limit (4 months)

RBL Bank Credit Card: ₹45,000 limit (1 month)

I have around 9 hard inquiries in the last 6 months, which is what worries me the most.

I have paid all my payment on time with no late payments.

Do you think SBI will approve my application, or are the recent inquiries likely to cause a rejection? Has anyone with a similar profile been approved?

Thanks in advance!

I tried applying for the Jupiter Edge+ Credit Card today, but after completing the application process I got the message:

"Your application was not approved (DECLINED). You will be notified when you can apply again."

I wasn't given any specific reason for the rejection.

A bit about my profile:

Salaried employee

Salary credited regularly in bank account

Existing credit history and active credit cards

No recent defaults or missed payments

Has anyone else faced an instant rejection on Jupiter Edge+? Did you find out the actual reason?

I currently have:

- CIBIL score around 776

- Novio Credilio Secured Credit Card

- Slice card with ₹65k limit

- Recently approved RBL card with ₹45k limit

- Using Amazon Pay Later for 6 months

- Amazon Pay Later limit increased from ₹2k to ₹10k recently

- I use Amazon Now almost daily

I also got the Amazon Pay ICICI card banner in the Amazon app saying “Complete your application”.

I have heard that ICICI generally prefers users with 1 year+ credit history, and my credit history is over 1 year with no late payments or settlements.

However, I also had a few recent inquiries as well

Do you guys think I should apply for the Amazon Pay ICICI card right now or wait a few months for inquiries to age?

Would appreciate honest suggestions from people who got approved/rejected with similar profiles.

I currently have:

- CIBIL score around 776

- Novio Credilio Secured Credit Card

- Slice card with ₹65k limit

- Recently approved RBL card with ₹45k limit

- Using Amazon Pay Later for 6 months

- Amazon Pay Later limit increased from ₹2k to ₹10k recently

- I use Amazon Now almost daily

I also got the Amazon Pay ICICI card banner in the Amazon app saying “Complete your application”.

I have heard that ICICI generally prefers users with 1 year+ credit history, and my credit history is over 1 year with no late payments or settlements.

However, I also had a few recent inquiries as well

Do you guys think I should apply for the Amazon Pay ICICI card right now or wait a few months for inquiries to age?

Would appreciate honest suggestions from people who got approved/rejected with similar profiles.

I currently have:

- CIBIL score around 776

- Novio Credilio Secured Credit Card

- Slice card with ₹65k limit

- Recently approved RBL card with ₹45k limit

- Using Amazon Pay Later for 6 months

- Amazon Pay Later limit increased from ₹2k to ₹10k recently

- I use Amazon Now almost daily

I also got the Amazon Pay ICICI card banner in the Amazon app saying “Complete your application”.

I have heard that ICICI generally prefers users with 1 year+ credit history, and my credit history is over 1 year with no late payments or settlements.

However, I also had a few recent inquiries as well

Do you guys think I should apply for the Amazon Pay ICICI card right now or wait a few months for inquiries to age?

Would appreciate honest suggestions from people who got approved/rejected with similar profiles.