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Beginner in credit card journey facing issues
- Thread starter anishaga
- Start date
cardex
TF Premier
You're welcome
I guess taking FYF and then hoping that emailing Grievance Redressal fixes it by end of year is an advisable course?
Chances without verification
You mean without a video verification?
I haven't had an in-person verification anytime recently - I've got cards from PNB, ICICI, Kotak and IDFC recently.
CCnewbie
TF Buzz
boss thoda is taraf bhi boliye. I also want to apply. 🙏🏼
Depends,which cards you have?
CCnewbie
TF Buzz
First I had got Business regalia Diners Club Variant, it was not getting accepted at some places so I asked the customer care to change it to VISA, now VISA is in transit. This is the first cc of mine.
Your employer?
No, I am not having the millenia. I just have the regalia
CCnewbie
TF Buzz
No employer. Just doing small work from home.
Let your cards turn a year or older before applying for any more cards. You need to go slow and wait for your credit history and score to build up. I'd suggest using Googlepay or Wishfin -- or CIBIL's own website -- to get your report.
I went through exactly the same process for the Platinum CC. I had started a Titanium Privilege relationship a few days before that.
Didn't hear anything about my CC application for more than a month! Then, on pestering the agent, came to know that it was rejected!
After a few months I was offered a pre-approved LTF Coral CC, -- "because we know you better now"! How exactly that miracle happened, I'd never know, since they didn't have any more interactions with me in the meantime!
I refused the LTF Coral CC because I was still annoyed with them.
A few days later, Amazon offered me an APay ICICI CC, and I accepted that. It was approved in a couple of minutes without any documents or verifications whatsoever! The limit offered was the same as that for the refused Coral CC.
cardex
TF Premier
one month!! did you get 2 verifications call, the second one from some icici project manager asking about your office name and address? In my case she seems confused regarding spelling of name. She confirmed the same from me, I asked her, and she confirmed that the card has been approved, but wouldn't be able to tell limit as she has no access to that info.
edit: well well , just as I wrote , got the congratulations sms from ICICI, like on a cue. 🙂 Now have to figure out what limit has been assigned.
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Congratulations 🎊
cardex
TF Premier
Thanks, read about my happiness in this thread..😆
www.technofino.in
Pickle or Sabzi?
Just got my first C2C , ICICI platinum chip card, I am so filled with joy that I feel like 😭. They have given me a C2C limit of 40,000, that is about 50 % cutdown on my C2C card. So magnanimous of them, truly. So, suggest me iska main achar daloon ya sabzi pakau? WTF... seriously ICICI!!!
www.technofino.in
After all verifications were done, I had a home visit by some third party employed by ICICI. Guess my home was not to his liking. All communications stopped after that, until I forced the decision out of them.
I don't know what caused their change of heart months later, making them offer me a pre-approved Coral CC, LTF.
Rohith-2009
TF Legend
So, they rejected Apay twice & approved platinum. LoL, ICICI is always different. They rejected platinum twice for me & approved ApayThanks, read about my happiness in this thread..😆
Pickle or Sabzi?
Just got my first C2C , ICICI platinum chip card, I am so filled with joy that I feel like 😭. They have given me a C2C limit of 40,000, that is about 50 % cutdown on my C2C card. So magnanimous of them, truly. So, suggest me iska main achar daloon ya sabzi pakau? WTF... seriously ICICI!!!
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