Recent content by Dr.Anand456

Bahut khub 👏

Ye kab hua..?

Your story is truly inspiring, Sumanta bhai. This is the first time I’ve come to know your actual age and the deeper journey behind your passion. The determination you had for getting your first credit card a few years ago—I can completely relate. I went through a similar phase myself...

I can't specify the exact amount, but your Total Relationship Value (TRV) should be at least more than ₹30 lakhs.

Yes, if you have a good relationship with ICICI Bank—meaning if you are a Wealth or Private Banking customer—you can directly apply for any card or service through your branch manager or relationship manager. While approval is not guaranteed, your chances of getting financial products like...

I haven't seen a case where the Emeralde card has been offered as a lifetime free card purely on the basis of TRV (Total Relationship Value). However, there are chances of getting it. If people can get it with a lower TRV, then it's definitely possible when your TRV is higher. And as I’ve said...

If you raise disputes directly through the CIBIL website, it becomes much easier and requires much less effort. You don't even need to enter all your personal details and other information there. Even for removing inquiries, I’ve never had to put in much effort when using CIBIL directly. That’s...

Yes, absolutely. In fact, some people have received a lifetime free offer even with a lower Total Relationship Value (TRV) than this. If you’re pre-approved, it usually shows up under i mobile app. And if your TRV is over ₹50 lakhs, you can try visiting a new branch and talk to the branch...

Yes, if you’re eligible, you may be offered the Biz Black card even the first time you apply.

Hi everyone, I want to share my experience with CIBIL and Experian credit bureaus. Around two months ago, I raised disputes with both CIBIL and Experian to get some credit inquiries removed from my credit report — 4 with CIBIL and 2 with Experian. Out of the 4 CIBIL inquiries: 2 were closed...

Most of the good facilities and services that ICICI Bank was offering to customers until now have either been significantly devalued or completely discontinued. It’s becoming difficult to trust ICICI Bank anymore.

Please DM me for more details.

Today, while purchasing a voucher from iShop, I noticed something new. My Times Black Credit Card had around 1,700 reward points, but when I tried to redeem them for a ₹10,000 voucher, I only got ₹1,000 off in total. Earlier, 1 point used to equal ₹1, so with 1,700 points, I should have gotten...

Times Black 🤣 with 2.5 lakh.

After the statement is generated, the reward points usually start appearing on both the mobile app and internet banking within a few days. However, bonus points may take 60 to 90 days to reflect after the statement is generated. If you want the bonus points to be credited sooner, you will need...