CLE in ICICI’s Recent iMobile version - Sept 2025

[SSV]

Guys,
Updated my iMobile app to 26.1 - Android..

Found LE on my gemstone cards ( Sapphiro etc) from 15L to 18L
And on my Amazon from 7.7L to 18L..

Pre approved remained the same .. PVC emeralde paid - Visa and MC and HPCL..

Check yours.. in the new version app (26.1) ..

 

[aayusharyan]

After a careful thought, took the LE on my sapphiro and left Apay as it is..
Also reduced spend limit to 9L and let’s see what will be reported to CIBIL

View attachment 109824

The reduced limit will be reported to CIBIL. I am curious if we use the low limit for long time, will they set this low limit only as the max limit or not...

 

[SSV]

Wow, that’s a huge jump — from 9L to 18L! 😳
Now I’m wondering and bit confused too… is it actually beneficial to accept such a high limit increase?
Could it end up showing as high available credit or excessive leverage to other lenders and affect future approvals?

I got le from 15L to 18L..
( see my first post)

I reduced the spend limit to 9L out of 18L granted limit hoping 9L will be reported to cibil there by reducing the impact on overleverage concept..
I will update here the actual reported amount to the CIBIL

 

[SSV]

The reduced limit will be reported to CIBIL. I am curious if we use the low limit for long time, will they set this low limit only as the max limit or not...

I am.also wondering about it..
So i will confuse their algorithm by playing with it at regular intervals say every 3 months or so

 

[akshayhs]

The reduced limit will be reported to CIBIL

I don't know but this feels like a way for people to intentionally reduce the limit, get it reported on CIBIL and then apply for new cards. Reset the limit on the card, in the app to get back to the original limit. Rise and repeat.

 

[aayusharyan]

I don't know but this feels like a way for people to intentionally reduce the limit, get it reported on CIBIL and then apply for new cards. Reset the limit on the card, in the app to get back to the original limit. Rise and repeat.

Yes, I want to try this for certain Lunch Bank of India.

 

[RAHUL GOYAL]

no LE for me i have 3L limit in sapphiro, coral & amazon. i have amazon card more than 1 year but no LE till now

 

[harsh_ujjwal]

After recent devaluation of ICICI Apay they have planned to make all cards trash leave apart CLE.

 

[SSV]

After recent devaluation of ICICI Apay they have planned to make all cards trash leave apart CLE.

True..
ICICI cards are generally meant for Instant Bank offers only .. not for general spending ...( with only one or two exceptions)...

 

[harsh_ujjwal]

True..
ICICI cards are generally meant for Instant Bank offers only .. not for general spending ...( with only one or two exceptions)...

Avg income group can't avail EPM &by devaluing Apay they almost killed it.

 

[devsfinance]

No update for iOS app I guess yet

 

[SSV]

No update for iOS app I guess yet

Even if it is out, it will not be available for everyone initially...ig

 

[BhaiyaJi]

Barso se naah ke koi badiya card mila hai aur nahe koi limit enhancement

 

[harsh_ujjwal]

Barso se naah ke koi badiya card mila hai aur nahe koi limit enhancement

@SSV has taken everyone's share😂

 

[BhaiyaJi]

@SSV has taken everyone's share😂

Ye to galat hai