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What happened to ICICI Pre -approved offers

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SMS91

SMS91

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Last month, I checked the iMobile app, and it showed a lot of pre-approved loan offers. Now, I want to check a car loan offer, but the pre-approved page only shows a 10k pay-later offer. Is this the same for everyone, or did they withdraw the pre-approved offer for me only?
 
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SMS91 said:
Last month, I checked the iMobile app, and it showed a lot of pre-approved loan offers. Now, I want to check a car loan offer, but the pre-approved page only shows a 10k pay-later offer. Is this the same for everyone, or did they withdraw the pre-approved offer for me only?
Click to expand...
The offers changes depending on report as soon as icici refresh cibil report (soft pull) from their end
 
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DocFixIt said:
When do HDFC usually do soft pull..
No offer for me in this new quater
Click to expand...
Routinely i think ,i keep getting personal loan offers from HDFC vai mail ,SMS ,App notification, etc atleast 10 times per day ,

And it shows I'm appeoved for upto 6L in loan ,which is my highest card limit by ICICI ,

Till last year my limit was 5L on ICICI and at the time HDFC used to offer me loan of upto 5L
 
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Swastik said:
Routinely i think ,i keep getting personal loan offers from HDFC vai mail ,SMS ,App notification, etc atleast 10 times per day ,

And it shows I'm appeoved for upto 6L in loan ,which is my highest card limit by ICICI ,

Till last year my limit was 5L on ICICI and at the time HDFC used to offer me loan of upto 5L
Click to expand...
Here I m not getting a one per approved offer in last quater
 
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DocFixIt said:
Here I m not getting a one per approved offer in last quater
Click to expand...
You know what really grinds my gears with HDFC ,

HDFC was offering me 5 lakh personal loan for most of last year ,few months back ICICI increased my credit limit from 5.1 L to 6.1 L ,and now since last month HDFC has started offering me personal loan of 6 lakhs

And all the while they won't increase my credit limit from 1.16 lakhs or give me an upgrade

So they know my credit worthiness, they just don't want to give me anything worthy
 
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Swastik said:
You know what really grinds my gears with HDFC ,

HDFC was offering me 5 lakh personal loan for most of last year ,few months back ICICI increased my credit limit from 5.1 L to 6.1 L ,and now since last month HDFC has started offering me personal loan of 6 lakhs

And all the while they won't increase my credit limit from 1.16 lakhs or give me an upgrade

So they know my credit worthiness, they just don't want to give me anything worthy
Click to expand...
Intresting that .
 
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SMS91 said:
Last month, I checked the iMobile app, and it showed a lot of pre-approved loan offers. Now, I want to check a car loan offer, but the pre-approved page only shows a 10k pay-later offer. Is this the same for everyone, or did they withdraw the pre-approved offer for me only?
Click to expand...
Don’t worry, you will get all your offers back soon..
They periodically refresh and when they refresh there will be temporary halt on the offers.
Depending upon your relationship with ICICI and CIBIL profile offers may be upgraded /degraded from the perspective of limits..
Example:
I used to have 67 L home loan offer several months ago and now I have 94L instant home loan offer..
 
Last edited:
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HDFC used to give all offers but last six months only 10Lakhs two wheeler loan in the offer section ( may be busy with devaluation ) , ICICI also not showing any preapproved offer except emerald and pay later. AXIS showing all offers CL. TL, PL and LOC ,insurances
 
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Swastik said:
You know what really grinds my gears with HDFC ,

HDFC was offering me 5 lakh personal loan for most of last year ,few months back ICICI increased my credit limit from 5.1 L to 6.1 L ,and now since last month HDFC has started offering me personal loan of 6 lakhs

And all the while they won't increase my credit limit from 1.16 lakhs or give me an upgrade

So they know my credit worthiness, they just don't want to give me anything worthy
Click to expand...
They want to spend on low rewarding card, so they can earn more. 🤭
 
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