2 icici account reported to Cibil

[|V|]

Right now, I have 3 icici card. Amazon pay, platinum and coral. However, these are reported as 2 different seperate icici accounts on Cibil.

Amazon pay card is reported seperately, platinum and coral is grouped together and reported seperately on Cibil.

Is there anyway to fix this ? I would like Icici to reported these 3 cc as 1 account on Cibil.

 

[AkashnAkashn is verified member.]

Not possible. .

 

[SSV]

Right now, I have 3 icici card. Amazon pay, platinum and coral. However, these are reported as 2 different seperate icici accounts on Cibil.

Amazon pay card is reported seperately, platinum and coral is grouped together and reported seperately on Cibil.

Is there anyway to fix this ? I would like Icici to reported these 3 cc as 1 account on Cibil.

That is how it works with ICICI..
1)All gemstone cards are grouped together and reported as one account .
2) All non gemstone cards are reported individually, like apay card, mmt card, etc..

So , in this particular case, you can't do anything to fix this in your view..

Actually there is nothing to fix here.. that is how this bank operates from credit bureaus reporting perspective

 

[|V|]

That is how it works with ICICI..
1)All gemstone cards are grouped together and reported as one account .
2) All non gemstone cards are reported individually, like apay card, mmt card, etc..

So , in this particular case, you can't do anything to fix this in your view..

Actually there is nothing to fix here.. that is how this bank operates from credit bureaus reporting perspective

Alright.
Thank you so much for the descriptive answer.
You certainly helped me avoid unnecessary to & fro communication with ICICI cc.

 

[SSV]

Alright.
Thank you so much for the descriptive answer.
You certainly helped me avoid unnecessary to & fro communication with ICICI cc.

No worries…
Enjoy life..

 

[Shin-Chan]

That is how it works with ICICI..
1)All gemstone cards are grouped together and reported as one account .
2) All non gemstone cards are reported individually, like apay card, mmt card, etc..

So , in this particular case, you can't do anything to fix this in your view..

Actually there is nothing to fix here.. that is how this bank operates from credit bureaus reporting perspective

SSV Sir,


My Rubyx is reported separately with limit X
And my Coral and Sapphiro reported as One with limit Y

note : Y > X

Shall I get all 3 clubbed as One (reduction in leverage on CIBIL) or leave it as it is !!

 

[bing1309]

In my case they removed amazon pay account itself from cibil just to remove an credit enquiry they removed account also😆

 

[MS R]

SSV Sir,


My Rubyx is reported separately with limit X
And my Coral and Sapphiro reported as One with limit Y

note : Y > X

Shall I get all 3 clubbed as One (reduction in leverage on CIBIL) or leave it as it is !!

Same for me with Rubyx. I have three accounts in ICICI (it should actually be two: 1 Amazon, 1 Gemstone), but i have 2 Gemstone accounts instead).

1. Amazon account -
2. Two Gemstone accounts -separate bill/due date , diff reporting in CIBIL (
   1. Platinum/Coral Rupay/Sapphiro Dual/Rubyx Visa - 1 account
   2. Rubyx Dual - 2 account

 

[Shin-Chan]

In my case they removed amazon pay account itself from cibil just to remove an credit enquiry they removed account also😆

It will be reported back mostly in next reporting cycle.

 

[Shin-Chan]

Same for me with Rubyx. I have three accounts in ICICI (it should actually be two: 1 Amazon, 1 Gemstone), but i have 2 Gemstone accounts instead).

1. Amazon account - separate bill/due date
2. Two Gemstone accounts - separate reporting in CIBIL (
   1. Platinum/Coral Rupay/Sapphiro Dual/Rubyx Visa - 1 account
   2. Rubyx Dual - 2 account
      
      
      
      
   
   

• Platinum/Coral Rupay/Sapphiro Dual/Rubyx Visa - 1 account
• Rubyx Dual - 2 account

Both of above have same Limit or different ?

 

[MS R]

• Platinum/Coral Rupay/Sapphiro Dual/Rubyx Visa - 1 account
• Rubyx Dual - 2 account

Both of above have same Limit or different ?

same limit bro...
will request to club the account to other gemstone account... if they dont will cancel rubyx dual

 

[SSV]

SSV Sir,


My Rubyx is reported separately with limit X
And my Coral and Sapphiro reported as One with limit Y

note : Y > X

Shall I get all 3 clubbed as One (reduction in leverage on CIBIL) or leave it as it is !!

Yes, should do..
I heard this a few times before and I want to know in what cases they do this..
Chase them about this