Accidentally applied for a pre-approved Saphiro paid dual card. How to cancel? Would it becomes a barrier in my road to LTF Saphiro?

[Tonymathew]

Hi Family,

I have 5 icici LTF cards as of now.
Not having any savings account with the bank.
Under my card upgrade section in Imobile app, I was shown upgrade to paid sapphiro dual variant. Out of curiosity I pressed it, and without any hesitation the card was approved and issued, and was told will be delivered in 7 working days.

I messed it up it seems.

1) So how can I cancel the application?
2) I know if i can't cancel the application, I can opt not to activate the card. In that situation would I be charged? As I've never done that harkathi
3) by doing any of these 2 things, would it hamper my journey to LTF Saphiro (for no purpose, only for pleasure).
4) Most important question. IDFC charges the joining fee of any new card which has a shared limit with another card, even before the delivery itself. Would ICICI do that? Since I already have coral, hp coral and rubyx in the same shared gemstone series?

Could not find any relevant threads, so posting this.

Update:
Contact CC via both mail and over phone.. cancelled the card. No charge labelled. Delivered both variant physical cards alongwith dreamfolks card.

Keeping them as souvenirs.

 

[Tonymathew]

Just wait a few more months, within next 6 months you will get preapproved card offer/spam calls for up-gradation.

Never got calls for LTF cards. They want to impose paid cards. Atleast in my situation.

 

[Anindya98]

IDFC charges the joining fee of any new card which has a shared limit with another card, even before the delivery itself. Would ICICI do that?

No

Since I already have coral, hp coral and rubyx in the same shared gemstone series?

Don't worry one of my friends did the same they will charge separately. Nothing will happen to your existing cards.

 

[Fini7777]

Yes Sir.

My journey started in 2022 February. Where one branch executive from nearby branch came to our hostel ( I was a PG then doing General Medicine), as a part of promotion and offered LTF platinum cc. My friend and I applied for the same with all the necessary docs. Mine got rejected and his got approved. I kept on nagging the agent for 3-4 months, where he was not interested in providing the reason. Raised the same concern with ICICI tech team over FB. They told that they cannot open up the internal reasons. It was later by the year end, that I realised, that I had a poor cibil score of 650. I was a person with no cibil history. Literally no CC, loans or EMI. Then I went through the score and then realised that somebody had made a fake loan with my PAN with Dhani Loan services, and it was defaulted, I guess. Then I tried to understand the situation, and found that there were similar many complaints with Dhani, one even made by Sunny Leone. So I raised a dispute and after few months, that was removed from my cibil and my score increased to 720's. (Only if I knew about the RBI ombudsman programme then)..

Back in Aug, 2023, another nearby branch started there ad in our hospital, and was offering LTF coral for everyone. So I jumped on to that wagon. Card 1 done.

2 weeks after recieving the card, the wagon of CC on UPI made ICICI offer a free coral rupay LTF in their application, to almost everyone. Jumped on to that too. Card 2 dusted.

Now card 3, was ICICI apay. This card was rejected by Amazon 3-4 times in 2022. The reason of which was unknown to me. Now thinking back, it would have been the fake loan from dhani. So anyways, by February this year, for no reasons, I applied the card just because of need to avenge my pain with ICICI, and got the card issued instantly.

Once I became a consultant, the pretax salary crossed the then cutoff mark of LTF rubyx, 1 Lakh rupees, that too by barest of margin. So with the help of my nearest agent, applied for Rubyx LTF. It was rejected initially, for no reasons known. But after 2 days, the agent attempted again, without any further cibil hard enquiry. And viola, there was card 4.

In the month of September, one midnight, when my addiction of CC application peaked, I, for no reasons, strolled through ICICI website, and started application of a new CC, just to know whether the bank does deem me a worthy customer and to know whether there is any LTF card up the sleeves. Then there was HPCL coral card, LTF. I had no purpose with the card. But since it has an amex version, and all my cards till then being issued by VISA, RUPAY or MC, I went ahead and claimed the card 5.

So that's the story. I believe, I am not concerned about hard cibil enquiries, as they are frankly temporary, and I take shot at almost anything. FOR MO GOOD REASONS.

I still am greedy to get my hand on sapphiro and emerald. Just to complete my revenge on the bank that refused issuing card to me 7-8 times, due to mistakes not mine.

Peace out

Thanks for ur detailed explanation
I got it. As ur 1st card is their core cc u were able to climb further

Try to get atleast one core credit card. I think the rest will follow apne ap. I guess. If your salary is decent enough, try a hand on coral/rubyx as they are relatively easy to get a hands on. Never compromise with platinum, as it is meagre.

Sure, I'll try to get one soon

 

[Ram1]

Road to ltf sapphiro?? Seriously its just scrap card. Better take coral ltf and use peacefully.
No difference between those 2

 

[newinnov]

Road to ltf sapphiro?? Seriously its just scrap card. Better take coral ltf and use peacefully.
No difference between those 2

Never got calls for LTF cards. They want to impose paid cards. Atleast in my situation.

Does icici treats Coral in Rupay variant as their core card? As icici was distributing it like chocolates till last year...

 

[Anindya98]

Road to ltf sapphiro??

Thread 'ICICI has recently downgraded the Salary Criteria for Sapphiro LTF & Rubyx LTF'

Jun 11, 2024

New Update: Yesterday I got to know from my RM

Rubyx - 75000 per month Salary
Sapphiro - 1.5L per month Salary

• Anindya98
• credit card icici icici credit card rubyx sapphiro sapphiro credit card
• Replies: 178
• Forum: ICICI Bank Credit Card

• 
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Seriously its just scrap card. Better take coral ltf and use peacefully.
No difference between those 2

Considering you get the Card LTF BMS Offer & you get more rewards points compared to Coral and International Lounge access without spending.

 

[Anindya98]

Does icici treats Coral in Rupay variant as their core card? As icici was distributing it like chocolates till last year...

Y e S

 

[me_sovon]

My question may not be relevant to this...

can u share ur journey of getting 5 LTF CCs from ICICI
I don't have any SB account in ICICI and I am using Apay cc for the last 6 months (I am a self-employed)
I did not receive any pre approved CCs from ICICI
is this too early to expect upgrade/CC offers from ICICI , Should I wait for few more months ?

I got pre-approved ltf coral card within 20 days of getting the apya card, without savings account, I'm a student and filled the form as self employed

 

[Fini7777]

I got pre-approved ltf coral card within 20 days of getting the apya card, without savings account, I'm a student and filled the form as self employed

This year ?

 

[me_sovon]

This year ?

Yes in the end of July got APay, on August 9 got coral rupay. Then took the pre-approved HPCL rupay.

Now out of curiosity took the sapphiro🥲 an agent was calling multiple times, 0 joining fee and fyf, so I took the card, didn't activate till now.
I'm thinking that not to activate the card.

 

[Tonymathew]

Road to ltf sapphiro?? Seriously its just scrap card. Better take coral ltf and use peacefully.
No difference between those 2

International Lounge would be handy for me actually.

 

[me_sovon]

You will get the pre-approved offer of the same card within 1-2 months along with 2 more cards.

So if we don't activate the card, we will get the same card offer in future?
Same thing is happening with me, out of curiosity took the sapphiro card, but now I'm thinking that with out ltf offer this card is not that much beneficial for me

 

[Tonymathew]

Y

Does icici treats Coral in Rupay variant as their core card? As icici was distributing it like chocolates till last year...

Yes coral is a core card. The word itself has 'COR' in it. 😂😂

 

[Tonymathew]

So if we don't activate the card, we will get the same card offer in future?
Same thing is happening with me, out of curiosity took the sapphiro card, but now I'm thinking that with out ltf offer this card is not that much beneficial for me

It is not worth as a paid card. Let's not activate it, unless they offer it LTF

 

[me_sovon]

It is not worth as a paid card. Let's not activate it, unless they offer it LTF

Okay

Thank you.

 

[girish3456]

Road to ltf sapphiro?? Seriously its just scrap card. Better take coral ltf and use peacefully.
No difference between those 2

After ICICI credit cards devaluation, those are not worthy to hold

 

[kvndsz512]

Once i recieve the card and close it without activating, would I ever recieve another pre approved LTF offer from ICICI? Actually I do want the card, for my collection, but definitely paid

mostly once u take a icici card rarely u get pre-approved ltf offer.. it's mostly paid.. but in between some months back they were giving ltf upgrades to existing holders also but before and after that haven't seen existing customers getting ltf upgrade...

 

[kvndsz512]

Just mail them to convert it to LTF or Cancel the card, "They will cancel or make it LTF.

I also got LTF Sapphioro (Offer received via call from bank ,not via Internet banking or Imobile) without having bank ac with ICICI,

maybe ur first card with icici i guess that's why ltf was easy

 

[kvndsz512]

So if we don't activate the card, we will get the same card offer in future?
Same thing is happening with me, out of curiosity took the sapphiro card, but now I'm thinking that with out ltf offer this card is not that much beneficial for me

all icici card are only good if ltf only 😛

 

[Juganta]

maybe ur first card with icici i guess that's why ltf was easy

How its possible get Pre-approved LTF without having SA or CC, .

At that time i was holding Apay+Platinum both LTF