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

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Tonymathew

Tonymathew

TF Premier
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.

@SSV @Vasuki
 
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Tonymathew said:
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
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Thanks for ur detailed explanation
I got it. As ur 1st card is their core cc u were able to climb further
Tonymathew said:
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.
Click to expand...
Sure, I'll try to get one soon
 
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Ram1 said:
Road to ltf sapphiro?? Seriously its just scrap card. Better take coral ltf and use peacefully.
No difference between those 2
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Tonymathew said:
Never got calls for LTF cards. They want to impose paid cards. Atleast in my situation.
Click to expand...
Does icici treats Coral in Rupay variant as their core card? As icici was distributing it like chocolates till last year...
 
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Ram1 said:
Road to ltf sapphiro??
Click to expand...
Anindya98

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

New Update: Yesterday I got to know from my RM

Rubyx - 75000 per month Salary
Sapphiro - 1.5L per month Salary
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Ram1 said:
Seriously its just scrap card. Better take coral ltf and use peacefully.
No difference between those 2
Click to expand...
Considering you get the Card LTF BMS Offer & you get more rewards points compared to Coral and International Lounge access without spending.
 
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Fini7777 said:
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 ?
Click to expand...
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
 
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Anindya98 said:
You will get the pre-approved offer of the same card within 1-2 months along with 2 more cards.
Click to expand...

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
 
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Tonymathew said:
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
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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...
 
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