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CORAL RuPay CC - CLOSED - NOW REACTIVATED N WORKING

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RAMESH BABU N

RAMESH BABU N

TF Legend
I have 3 LTF CCs from ICICI - Amazon Pay, Platinum Visa n Coral RuPay. Heavy usage of Amazon Pay n Coral RuPay. NIL usage of Platinum Visa (activated).

Asked them to close it. Which they promptly did. Happy.

But, they ALSO CLOSED my actively being used CORAL too. After exchanging 2 eMails, they have realised their mistake.
But, not willing to reactivate it by canceling the closure.

Another 2 strong n harsh eMails made them come back to me on phone by 3 extremely polite seniors.

For your negligence, why should I suffer even if you give a new Coral card. What about application, CIBIL hit, processing time n card being couriered - all this to be done within 1 week as we are leaving for US trip. The only option they have is to REACTIVATE THE CLOSED CC as I am yet to destroy the physical card with me. Another 2 seniors called. Discussed the pros n cons.

So, they have no option than to REACTIVATE IT. Which they did.

And, 3 persons called me to confirm that my Original Coral RuPay is active from their end.

Within 10 minutes, did a trxn and it went through without a glitch. Normal trxn SMS recd, trxn eMail recd with correct limit outstanding.

Mission accomplished. Dead Coral RuPay revived n brimming with life again. Felt happy like a surgeon successfully reviving a dead patient.

Happy with ICICI for rectifying their own mistake.
 
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many ICICI customer facing this issue.

Most of customer get platinum card first so a new gemstone account created in ICICI card account and they get other LTF cards afterwards.

Now all gemstone cards come under same account (platinum).

Now if you place request to close platinum by default it shows main gemstone account number to close. Customer service executive should have to choose manually platinum card but they straight deactivate main account for which all gemstone cards get deactivate due to their lack of knowledge about it.
 
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When I requested Coral rupay LTF, they issued it as a floater card to my Platinum card. Even the statement combines the spends. So yes, this is a good post cautioning users about the side effect.
 
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akshayhs said:
When I requested Coral rupay LTF, they issued it as a floater card to my Platinum card. Even the statement combines the spends. So yes, this is a good post cautioning users about the side effect.
Click to expand...
Your 1st gemstone cards becomes main account number of all gemstone cards.

So afterwards issued gemstone cards are floater and under main account. All customers case are same.

So while you request for closure it's really a headache because customer service executive may not have knowledge regarding this and they close directly main account which shows them by default.
 
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What happens in case both Platinum Card and Amazon Pay ICICI card active from 2019 to 2024 gets closed ? And afterwards I get Coral Rupay ? Got the Coral Rupay in March 2024. But now I do not see any card upgrade option . Wondering what happened.
 
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What would have happened if the Platinum were left unused for one year? Wouldn't it be closed then even without any request from the holder?

Would the other core cards also be affected in that case?
.
 
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s1t2y3a3m6 said:
Your 1st gemstone cards becomes main account number of all gemstone cards.

So afterwards issued gemstone cards are floater and under main account. All customers case are same.

So while you request for closure it's really a headache because customer service executive may not have knowledge regarding this and they close directly main account which shows them by default.
Click to expand...
my Coral, Rubyx and Sapphiro limits are different


I got Rubyx first will that be main account for all gemstone ? if yes why different limits ?
 
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manzparty said:
my Coral, Rubyx and Sapphiro limits are different


I got Rubyx first will that be main account for all gemstone ? if yes why different limits ?
Click to expand...
There are no concept of separate limit system in ICICI. Your highest limit is your total limit.

If your cards showing different limit then you can match your highest limit to all other cards by putting request to customer service.

Yes, your first card is the main account in gemstone.
 
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RAMESH BABU N said:
I have 3 LTF CCs from ICICI - Amazon Pay, Platinum Visa n Coral RuPay. Heavy usage of Amazon Pay n Coral RuPay. NIL usage of Platinum Visa (activated).

Asked them to close it. Which they promptly did. Happy.

But, they ALSO CLOSED my actively being used CORAL too. After exchanging 2 eMails, they have realised their mistake.
But, not willing to reactivate it by canceling the closure.

Another 2 strong n harsh eMails made them come back to me on phone by 3 extremely polite seniors.

For your negligence, why should I suffer even if you give a new Coral card. What about application, CIBIL hit, processing time n card being couriered - all this to be done within 1 week as we are leaving for US trip. The only option they have is to REACTIVATE THE CLOSED CC as I am yet to destroy the physical card with me. Another 2 seniors called. Discussed the pros n cons.

So, they have no option than to REACTIVATE IT. Which they did.

And, 3 persons called me to confirm that my Original Coral RuPay is active from their end.

Within 10 minutes, did a trxn and it went through without a glitch. Normal trxn SMS recd, trxn eMail recd with correct limit outstanding.

Mission accomplished. Dead Coral RuPay revived n brimming with life again. Felt happy like a surgeon successfully reviving a dead patient.

Happy with ICICI for rectifying their own mistake.
Click to expand...
Also apply 3 add-on cards (Coral RuPay).

You will get 25% Cashback per RuPay Cards.
 
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newinnov said:
What 25% cashback, throw a torch 🙂
Click to expand...
Here -

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or here, another offer -

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This is possible even after many years of card closure. Here’s my story.

Long long ago, I got my very first credit card ever with my first salary account — the ICICI Platinum, back when I didn’t have the slightest idea about the importance of a strong and deep credit history. In the course of time, I kept on getting more cards from Citi, UTI (later Axis), Barclays etc and kept on closing them as well as I changed salary accounts. I also allowed the Platinum card to be closed due to non-usage after 9 years once I got an HDFC account and Regalia, thus significantly reducing my credit age.

Cut to last year, I got LTF Coral RuPay offer in ICICI and to my surprise saw that my credit age was restored again to the oldest Platinum card. Reason was that ICICI had only cancelled the Platinum card and not the shared card account, so upon issuing the Coral the old account also got reactivated. And just like that, now my credit age is 9 years older and shows an uninterrupted clean record.
 
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akshayhs said:
When I requested Coral rupay LTF, they issued it as a floater card to my Platinum card. Even the statement combines the spends. So yes, this is a good post cautioning users about the side effect.
Click to expand...

I got coral after getting the platinum. An acquaintance who works at ICICI Bank suggested that I get a better card and close the platinum card. Called the customer care to close the card and they did, but never confirmed it. I still get an alert for bill generation and due - the same as coral because coral was issued as a floater to the platinum card.
 
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RAMESH BABU N said:
I have 3 LTF CCs from ICICI - Amazon Pay, Platinum Visa n Coral RuPay. Heavy usage of Amazon Pay n Coral RuPay. NIL usage of Platinum Visa (activated).

Asked them to close it. Which they promptly did. Happy.

But, they ALSO CLOSED my actively being used CORAL too. After exchanging 2 eMails, they have realised their mistake.
But, not willing to reactivate it by canceling the closure.

Another 2 strong n harsh eMails made them come back to me on phone by 3 extremely polite seniors.

For your negligence, why should I suffer even if you give a new Coral card. What about application, CIBIL hit, processing time n card being couriered - all this to be done within 1 week as we are leaving for US trip. The only option they have is to REACTIVATE THE CLOSED CC as I am yet to destroy the physical card with me. Another 2 seniors called. Discussed the pros n cons.

So, they have no option than to REACTIVATE IT. Which they did.

And, 3 persons called me to confirm that my Original Coral RuPay is active from their end.

Within 10 minutes, did a trxn and it went through without a glitch. Normal trxn SMS recd, trxn eMail recd with correct limit outstanding.

Mission accomplished. Dead Coral RuPay revived n brimming with life again. Felt happy like a surgeon successfully reviving a dead patient.

Happy with ICICI for rectifying their own mistake.
Click to expand...
ICICI does wrong things all the time

Showing the right path isn't always easy.

But a strong teacher make his disobedient student, obedient
 
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