0 AMB ICICI Account (Privilege Banking program)

[Raghav2006]

Once 360 family banking upgrade is done, how do you apply for Titanium Family Debit Card ?

My branch guy says 360 family is done but has no idea about how to get Debit card, neither does customer care, and no option on app

My sibling has a salary titanium account and they say I can't have an account with her 😂

 

[Swastik]

Family 360 eligibility

Are asking ?
My C/c limit is 6L, 4L+ required

 

[Swastik]

I'll just say this, getting 360 family banking has been a big hassle so far, branch people have no idea and after multiple visits showing them product page it was done,
And now I'm stuck at the debit card

ICICI should bring in more awareness and smoother processes for these things

 

[sjmajumder]

I'll just say this, getting 360 family banking has been a big hassle so far, branch people have no idea and after multiple visits showing them product page it was done,
And now I'm stuck at the debit card

ICICI should bring in more awareness and smoother processes for these things

They are focused only on selling. BM/RM just have sales target. No time for training on new products/processes.
After opening my account and making huge huge service commitments, my RM disappeared for 3 days. I didn't get access to the account and my 1L was stuck part of which I needed to withdraw. She came back only on the 4th day after I escalated and kept crying for the entire duration. It felt so awkward, but even then she didn't have a clue how to issue the Family debit card. She had to come back the next day and brought the BM along for rescuing her.

 

[JustinCase]

View attachment 75286

VISA Platinum debit card daily transaction limits.

I have the same card but they increased the limits. Don't know why. Before it was 50k in iMobile as well.

 

[JustinCase]

Yeah, keep an ICICI account, their tech integration is good and their connecting to their CS takes time but overall I found the service of ICICI best.

Btw, an off-topic question. I'm looking for a salary account which can give loan on low CIBIL score. I ruined my score, and wanted to consolidate all my debt to improve my creditscore. Any suggestion?

 

[Raghav2006]

Btw, an off-topic question. I'm looking for a salary account which can give loan on low CIBIL score. I ruined my score, and wanted to consolidate all my debt to improve my creditscore. Any suggestion?

Can you please give me insight on what your monthly salary net credit is? Along with cibil and company name or hint.
And why was your cibil ruined? Any missed payments or overuse of credit card?

For interest savings, I am also looking to refinance my HDFC personal loan at 10.75% to bandhan bank now (they're claiming lowest ROI of 9.47% right now for tenure above 3 years) as I am in need of some money as well.

 

[brightknight]

Family 360 eligibility

do we have to have another member account linked to it also? or having single account in family 360 is eligible for that family titanium debit card?

 

[JustinCase]

Can you please give me insight on what your monthly salary net credit is? Along with cibil and company name or hint.
And why was your cibil ruined? Any missed payments or overuse of credit card?

For interest savings, I am also looking to refinance my HDFC personal loan at 10.75% to bandhan bank now (they're claiming lowest ROI of 9.47% right now for tenure above 3 years) as I am in need of some money as well.

My fixed monthly income is 23.5k but with PLI and all, it goes beyond 26k every month. My CIBIL was ruined due to payment defaults as I was jobless and had loans from different places so was not able to handle all of them and that led to payment defaults. Working in an MNC atm. Never overused credit cards though, and never had failed payments on them.

 

[Vasuki]

My fixed monthly income is 23.5k but with PLI and all, it goes beyond 26k every month. My CIBIL was ruined due to payment defaults as I was jobless and had loans from different places so was not able to handle all of them and that led to payment defaults. Working in an MNC atm. Never overused credit cards though, and never had failed payments on them.

This is brief
Write a full discription of whole story

 

[Raghav2006]

This is brief
Write a full discription of whole story

+ 1 agreed

 

[JustinCase]

This is brief
Write a full discription of whole story

Lmao. So early this year, a friend was in need so he asked me if I can apply for a loan as he had to pay his college fee and he'll pay the EMIs. He failed to pay so I did some of them, and to pay this one; took another loan so that's how it went. Now my CIBIL is down to <650 from 832.

 

[JustinCase]

+ 1 agreed

Any suggestions for it?

 

[Vasuki]

Lmao. So early this year, a friend was in need so he asked me if I can apply for a loan as he had to pay his college fee and he'll pay the EMIs. He failed to pay so I did some of them, and to pay this one; took another loan so that's how it went. Now my CIBIL is down to <650 from 832.

Phir se short bite 😀
Make new thread and write with timeline

 

[Raghav2006]

Lmao. So early this year, a friend was in need so he asked me if I can apply for a loan as he had to pay his college fee and he'll pay the EMIs. He failed to pay so I did some of them, and to pay this one; took another loan so that's how it went. Now my CIBIL is down to <650 from 832.

What is the amount and number of loans tenure, financer and ROI?

And to be honest if it is not loan shark range of ROI you can't do anything about it as your cibil is too low.
For this your only option would've been personal loan but you wont get it on good roi under (11%) now.

Got any credit cards?

 

[devsfinance]

Like WEALTH previlage is banking program .in icici
Untill u r enrolled.
Your account is zero balance but you need to maintain to achieve it .


Or ur account might be downgraded to normal sb account like 10k account.



PPL like me who have already a zero balance account & in previlage progrm too ..


You can be 10k account holder & get upgraded to previlage by their system bcz u have
4 lakh cc limit or loan etc of certain value

Hi I have an account it was possibly downgraded to Privilege from Wealth. My card has more than 4 lac limit. But my account is showing 25k MAB, can I do anything to make it 0 MAB?

 

[JustinCase]

What is the amount and number of loans tenure, financer and ROI?

And to be honest if it is not loan shark range of ROI you can't do anything about it as your cibil is too low.
For this your only option would've been personal loan but you wont get it on good roi under (11%) now.

Got any credit cards?

Right now I'm willing to get a loan even if it's at a higher ROI. Got Axis credit cards only but limit too low. Just wanted to know a bank that can approve easily online.
The amount for all the loans would be <2L but most of them are from online loan apps like Moneyview, KB, etc. so balance transfer isn't an option.

 

[Ekavya]

Lmao. So early this year, a friend was in need so he asked me if I can apply for a loan as he had to pay his college fee and he'll pay the EMIs. He failed to pay so I did some of them, and to pay this one; took another loan so that's how it went. Now my CIBIL is down to <650 from 832.

Been there done that

 

[Ekavya]

Talk to BM. In my case RM didn't have a clue even after showing her the product page. Finally BM came to the rescue and it was done in 3 days.

Hi! I have Titanium Debit Card. I want family Debit Card only for Lounge access. I have few questions:

1. Is lounge access spend based.?
2. Can I add any ICICI account (Such as friend or brother) under my family.
3. If I add a family account do they have to maintain any MAB.?

 

[Ekavya]

My sibling has a salary titanium account and they say I can't have an account with her 😂

Their definately of family is very weird.