Loan or Credit Card Delays? Your Mobile Number Mismatch Could Be the Culprit

• Using different mobile numbers for bank accounts and credit cards can significantly delay loan/credit card approvals.
• While not a direct cause for rejection, mismatched numbers hinder KYC/CKYC verification and OTP delivery.
• CKYC typically records only one mobile number; discrepancies lead to profile mismatch and require additional confirmation.
• RBI rules emphasize correct mobile numbers to prevent fraud; MNRL guidelines help banks update deactivated numbers.
• Experts advise using a single, active mobile number across all financial records (bank, credit card, CKYC, CIBIL) for smooth processing.