Thanks for response
@helloworld but here case is little bit different i am already holding salary a/c with icici from may 2020 onwards i have already taken 2 times fd based card & closure done with in a year span as per community suggestion i have maintained balance for more than 3 quarter mab around 2.5-3.10 L average as per mab calculator by icici but no preapproved offer trigger except credit card like home ,personal, consumer, car loan all triggered around 310k value but no card come out from icici i have tried for amazon card as well they declined some internal policy etc. i have made follow up with twitter icici care team & icici cc first level escalation it was continuous from july 2021 to may 2022 even more than 30 emails i have from their team response like first they not ready to disclose reason due to industry practice some etc reason we unable to offer try after 6 months then 1 year gone continue with no hope then i have found some level 2 or 3 grievance of icici i shooted mail them as well u expect no reply come out finally on july i consolidate all old mail along with senior icici mail then mailed to rbi grievance for not disclosure of exact reason behind my 4 amazon icici application got declined is it related to my profiling. location or income i.e. salary a/c with them ? where i am falling ?
Finally with in 3 working days i received sms from icici for icici card approval !!! finally got but still icici i have fd of more than 2 lacs with platinum icici card.
Similar experience i faced with HDFC instead i have savings a/c with then in one go they rejected my application don't know whatever reason this happened 2 times with me then this time i was ready with escalation to grievance with all docs raised mailed them got approval mail we have reprocessed application it will reach to you in few finally it got dammed approved !!!
Similar experience ahead with axis after 8 times declined now they approved application without any docs i have opened a/c with them with in 4 months i got pre approved offer with them this was my first card.
I already have before most of active BNPL brands with no defaults.
1. PAYTM POSTPAID - 3K limit april 2019 (3 times partner change still same limit with ABFL)
2. LAZYPAY - 9999 limit active from april 2021 (IDFC)
3. SIMPL - 14800/- from march 2020
4. Mobikwik - 1k i never used because of lots of default reported by user neither cancelled its still active (IDFC)
5. FLIPKART BNPL - 45K from april 2021 (IDFC)
6. AMAZON BNPL - 25K limit june 2021 (IDFC)
still IDFC not approved card it declined my card application with serviceability in my adhaar pincode now after escalation denying for removal of cibil enquiry.
Sorry for Very long post hope i am able to give my inputs to clear vision !!!
@adarsh00
