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Did ICICI Bank Blacklisted me?? - Query & Discussion

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yb24

yb24

TF Premier
I have been applying for icici credit card since 1 year ,have privilege savings bank account with them , maintain good amb but still they are not giving me any credit card.
Everytime I ask reason they told that it is due to internal policy.
Any hack?
Applied both offline,online,with salary , without Salary
 
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NeerajNegi said:
Same tried everything

tried amazon pay rejected x 4times
tried vis airport rekcted
tried with mall rejected
tried adani rejected
icic platnium rejected
Icici make my trip rejected
icici sapphire rejcted

same story they say in email its bank policy also file to rbi And rbi close it saying its bank policy
Click to expand...
icici ke bhaav itne kab se itne jaada hogaye :hehe:
 
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NeerajNegi said:
Same tried everything

tried amazon pay rejected x 4times
tried vis airport rekcted
tried with mall rejected
tried adani rejected
icic platnium rejected
Icici make my trip rejected
icici sapphire rejcted

same story they say in email its bank policy also file to rbi And rbi close it saying its bank policy
Click to expand...
😂😂Kya hogya icici ko , kisi ko bhi dedeta h icici asani se or kbhi ziddi hojata h bilkul
 
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If you are getting rejected, as a mandatory first step is to make fd based card in icici, use that card continuously for 6 months within usage of 20% with all valid spends which gets rewards. Then apply for icici card and you will get. Or step 2 via card to card method. Take option 1 if you say it's not worth to take icici on fd based then don't think of applying for the card itself in first place if it's not worth it (why are you applying then? If just for offers then bank also knows just for sake of offer you are applying why should I give you? Query remains the same you are trying to take advantage, they same they are doing with you). Apply via fd based and go ahead.
 
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yb24 said:
I have been applying for icici credit card since 1 year ,have privilege savings bank account with them , maintain good amb but still they are not giving me any credit card.
Everytime I ask reason they told that it is due to internal policy.
Any hack?
Applied both offline,online,with salary , without Salary
Click to expand...
Questions:
  1. What is your CIBIL score?
  2. Any negative indicators in CIBIL like delayed payment, overdue, settlement, etc.?
  3. How did you get zero balance Privilege account?
  4. Have you approached RM/BM? What do they have to say?
  5. Which other bank CC are you holding? What is the max limit and max age of other bank CC?
 
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bing1309 said:
If you are getting rejected, as a mandatory first step is to make fd based card in icici, use that card continuously for 6 months within usage of 20% with all valid spends which gets rewards. Then apply for icici card and you will get. Or step 2 via card to card method. Take option 1 if you say it's not worth to take icici on fd based then don't think of applying for the card itself in first place if it's not worth it (why are you applying then? If just for offers then bank also knows just for sake of offer you are applying why should I give you? Query remains the same you are trying to take advantage, they same they are doing with you). Apply via fd based and go ahead.
Click to expand...
Holded icici fd based since 5 years no upgarde or offer
 
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NeerajNegi said:
Holded icici fd based since 5 years no upgarde or offer
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You have to apply for a card, i never said you will get upgrade or offer. Fd based is just for proving you use the card and pay on time. If bank has to give an unsecured loan then you have proved now it's that you have to apply for a icici card via offline agent with all docs
 
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NeerajNegi said:
Holded icici fd based since 5 years no upgarde or offer
Click to expand...
Strange!!

Started with Platinum Chip (LTF), then took APay from my wife's Amazon account as offer di not come in my Amazon account. 2-3 years down the line got LTF upgrade offer to Rubyx. Then took Sapphiro (LTF) under Alumni offer. Then got pre-approved LTF Coral Rupay. Closed Apay and reapplied from my Amazon account - approved same day. And all these without any other relationship with ICICI. Finally opened zero balance Family 360 privilege account.
 
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bing1309 said:
If you are getting rejected, as a mandatory first step is to make fd based card in icici, use that card continuously for 6 months within usage of 20% with all valid spends which gets rewards. Then apply for icici card and you will get. Or step 2 via card to card method. Take option 1 if you say it's not worth to take icici on fd based then don't think of applying for the card itself in first place if it's not worth it (why are you applying then? If just for offers then bank also knows just for sake of offer you are applying why should I give you? Query remains the same you are trying to take advantage, they same they are doing with you). Apply via fd based and go ahead.
Click to expand...
😂😂Bhai why are you advocating bank
 
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yb24 said:
😂😂Bhai why are you advocating bank
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i am not advocating bank, but you have to think for once why such denial, if bank has flagged you, like more number of credit cards closed or something if they feel anomaly definitely they will do there best not to give you a card
 
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bing1309 said:
You have to apply for a card, i never said you will get upgrade or offer. Fd based is just for proving you use the card and pay on time. If bank has to give an unsecured loan then you have proved now it's that you have to apply for a icici card via offline agent with all docs
Click to expand...
Thats what i did and it decline 🙂 as I have shared above experience already
 
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bing1309 said:
i am not advocating bank, but you have to think for once why such denial, if bank has flagged you, like more number of credit cards closed or something if they feel anomaly definitely they will do there best not to give you a card
Click to expand...
Next way will go to branch open a new account and add a condition first approve me a card i will put money in your bank 50-60L around.
 
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