Rejection Of Rubyx CC for Premier Institution Students Without Any Reason

[arthitsen]

Hello, everyone! My name is Arthit Sen. I'm studying at National Institute Of Technology, Silchar. Recently, a team from south, belonging to ICICI Bank visited my campus to issue Rubyx CC with 1 Lakh limit to students. I cross-checked the information with the agent as I was aware it was only for alumni. I submitted my application and also completed my Biometric KYC which by the way, due to some server issues took more than 5 days. I live off-campus, so I had to repeatedly visit my campus to get it done.

Then, there was absolute silence from the bank's side until 15-16 days ago when I received my first e-application which I had to confirm and accept. As expected, they entered my mother's name wrong. I requested for a correction and waited till 10th Nov, when they sent my second e-application which I accepted and confirmed.

Today, I received a message that my application has been accepted and was being reviewed. On the same day, at 10:26 PM, I receive this message saying that my application has been rejected. I open my mail to see a rejection letter citing that very arbitrary reasons. I have attached my screenshots with this post. If this keeps on going with students from premier institutes, then I wonder what they are doing with other people.

My credit history:

1. A secured CC (IDFC First Bank First Earn) of 5000 Rs. limit.
2. CIBIL Score: 772 (24% CC Usage)
3. Credit Age: 3 months

 

[akshayhs]

Extremely low credit age for ICICI. Most common reason for ICICI to reject applications

 

[Yugi]

Yes, you can call customer care and ask. General age ICICI grants credit care is for people over 23.

 

[arthitsen]

Yes, you can call customer care and ask. General age ICICI grants credit care is for people over 23.

That's the thing, right? This card was being given to only students and alumni from premier institutions. Even then I confirmed with them regarding the age. This offer should be pre-approved yet the bank is rejecting it with absolutely no reason to provide.

 

[arthitsen]

Extremely low credit age for ICICI. Most common reason for ICICI to reject applications

That might be an issue. The thing is they confirmed, even before I applied for it, regarding the credit report. It should not matter as per the offer. This thing is being provided to any student associated with the list of premier institutions. That's why I'm surprised that a pre-approved offer is being rejected while heckling me for one month. They even spammed by LinkedIn DMs.

 

[rayray07]

Hey I had gone through the same process of same card different college. My branch RM told me to open a savings account the 3 in 1 and then processed it all and basically 7 days of waiting and then I was told I have been rejected. My branch RM told me everything was okay and fine but I was apparently rejected for too many inquires when I escalated it to the branch manager. He told me the real reason so try contacting the branch manager if not the RM and if you have an account then its better. Other than that I had confirmed with the branch manager he told me the only thing they check is for tie up no cibil no credit history or age at all. He also confirmed once you get a card from ICICI the amazon pay one gets available automatically if you are 21+.

Since I was rejected due to high inquires I will be reapplying again in Jan end via my RM and I'd advise the same to you.

edit : ideally if your college has a tie up branch with ICICI apply via them offline instead of the google form method, I have had my 2 of my friends get rejected via that but everyone who went offline got it approved within 3-4 days.

 

[nh124001]

how many icici credit cards we can have, i have three 3 apay, coral, hpcl, i can apply for sapphiro LTF, using corporate scheme, can i get 4th icici credit card?

 

[Hope]

my brother is in nit too recieved same mail in clg id, and in that mail they clearly mentioned age 18y or above. btw the forwarded mail is not from genuine icici its institute.icicicards@gmail.com
btw icici website clearly mentions min age 23.

 

[some1anywhere]

Extremely low credit age for ICICI. Most common reason for ICICI to reject applications

Credit age in this case means age of applicant or age of his credit history? Must be both factors? My first ever card was Amazon Pay ICICI in Jan 2022 (my only credit history was Amazon Pay Later loan from Oct 2021), no CIBIL before that

 

[KingAAR]

bro , OP , please confirm did the team say they are from HYD? I too faced similar issue, they did all the bullshit, and they got it rejected, got it done thru my campus without any hassle, got the card within 2 days in app, 6days in my room.. PLs say the name of the sales manager or branch head you see in the icici track my loans page

 

[harsh_ujjwal]

how many icici credit cards we can have, i have three 3 apay, coral, hpcl, i can apply for sapphiro LTF, using corporate scheme, can i get 4th icici credit card?

There is no limit as far as ICICI is concerned.

 

[arthitsen]

bro , OP , please confirm did the team say they are from HYD? I too faced similar issue, they did all the bullshit, and they got it rejected, got it done thru my campus without any hassle, got the card within 2 days in app, 6days in my room.. PLs say the name of the sales manager or branch head you see in the icici track my loans page

Sorry for the late reply. Yes, the sales manager is a guy from South India. Also, I should mention that my campus has only SBI branch. The name of the sales manager is Santosh M. Kumar.

 

[arthitsen]

my brother is in nit too recieved same mail in clg id, and in that mail they clearly mentioned age 18y or above. btw the forwarded mail is not from genuine icici its institute.icicicards@gmail.com
btw icici website clearly mentions min age 23.

View attachment 114988View attachment 114987

This is a new and crucial information. Thank you so much for your reply.

 

[arthitsen]

Hey I had gone through the same process of same card different college. My branch RM told me to open a savings account the 3 in 1 and then processed it all and basically 7 days of waiting and then I was told I have been rejected. My branch RM told me everything was okay and fine but I was apparently rejected for too many inquires when I escalated it to the branch manager. He told me the real reason so try contacting the branch manager if not the RM and if you have an account then its better. Other than that I had confirmed with the branch manager he told me the only thing they check is for tie up no cibil no credit history or age at all. He also confirmed once you get a card from ICICI the amazon pay one gets available automatically if you are 21+.

Since I was rejected due to high inquires I will be reapplying again in Jan end via my RM and I'd advise the same to you.

edit : ideally if your college has a tie up branch with ICICI apply via them offline instead of the google form method, I have had my 2 of my friends get rejected via that but everyone who went offline got it approved within 3-4 days.

This offer also extends to alumni. Do they expect no credit history from alumni? Isn't it strange that a secured CC is creating an issue with an unsecured CC that should have been a pre-approved offer.