Can you please explain how the icici cards limits are different across variants? how can one manage the limits in imobile? how these icici variants are reported in cibil whether multiple icici credit card account or one in cibil report? Multiple bills separately for each card or only one bill is generated every month ? Do I need to pay bills separately for each card or only one payment combining all card spends in one shot ?
If possible can you please share your oldest credit card age. and what is your cibil score..
And last but not least, In your opinion which bank is most lenient in giving auto LE with very high limit or in percentage terms and frequency.. and which type or category of spends triggers LE ?
Thanks in advance🙂🙂
Initially I had Rubyx , MMT Signature , and Apay
I received LE in Rubyx and Apay but not in MMT Signature
Then I took Sapphiro with latest ITR and got enhanced limit on Sapphiro , later I took emirates emeralde with again new docs and got LE .
Then I asked Icici to merge limits across as cards , they did it for Emeralde , Emirates , Sapphiro & Apay but didn’t do it for Rubyx and MMT Signature .
The limit of ICICI is like Axis , each card can have separate individual limit but total limit is the highest one.
How ICICI reports to Cibil is another confusion as per my experience , MMT Signature , Apay , Sapphiro and Emirates are reported separately
So I believe they report in following way
Gemstone is reported separately
Apay is reported separated
Co-branded are reported separately .
You will need to pay bills separately , the same is true for all banks bills are paid against each card individually
Oldest credit age is 10 years and Cibil score as of now is 798
As per my experience Icici and kotak are most lenient in giving LE
