Eligibility Criteria for ICICI Emeralde Private Metal - Discussion

[SSV]

I don't wish to.

If they merge limit with EPM, it will increase total credit limit on CIBIL too as ICICI has different accounts for all 3 cards.

Correct. Then it will become over-over leveraged...
I too kept my apay CL at 7L where as my Sapphiro got 15L..

 

[techstrom007]

Visited a newly opened branch today, there were hardly 3-4 staff in the branch. Asked for the Pvt Metal card on helpdesk, she called a lady who deals with CC.

She showed me the same pvt metal PPT with benefits and fees. Asked my salary (didn't asked any other relationship with icici) and said send me the documents and she will log the application.

I have an active icici account with 0 balance and 0 credit since last 3 yrs and a coral cc with 5.5 L limit.

I sent the document on whatsapp, she asked for few otps and logged the application.

Didn't asked for anything else, If this gets approved i would be more than surprised.

Current Sal : Over 5l monthly before tax.

Let's see how that goes.

 

[abhiaj_geek]

Ishop team is thoroughly incompetent right now.

Visited a newly opened branch today, there were hardly 3-4 staff in the branch. Asked for the Pvt Metal card on helpdesk, she called a lady who deals with CC.

She showed me the same pvt metal PPT with benefits and fees. Asked my salary (didn't asked any other relationship with icici) and said send me the documents and she will log the application.

I have an active icici account with 0 balance and 0 credit since last 3 yrs and a coral cc with 5.5 L limit.

I sent the document on whatsapp, she asked for few otps and logged the application.

Didn't asked for anything else, If this gets approved i would be more than surprised.

Current Sal : Over 5l monthly before tax.

Let's see how that goes.

It will be 100% rejected. Same happened with me.
Ask them to get State Head, Regional Head, Sales Head approvals first and then submit the epm cc application.

You and the bank will waste 3 weeks of your life pursuing this incorrect cc application otherwise, like I did.

 

[techstrom007]

Ishop team is thoroughly incompetent right now.

It will be 100% rejected. Same happened with me.
Ask them to get State Head, Regional Head, Sales Head approvals first and then submit the epm cc application.

You and the bank will waste 3 weeks of your life pursuing this incorrect cc application otherwise, like I did.

I think too late, just got a SMS of CIBIL hit as well 🤣

I already have INFINIA just thought of giving a shot how that goes. The branch i visited has no branch manager and 3 staff in total 🤣 Though quite a big branch in terms of size and area, Capacity enough to hold 20-30 staff.

For some reason with 0 balance from past 3 yrs i'm wealth management customer.

Now i can see the SMS rejection coming before my eyes.

 

[Nishan11]

I think too late, just got a SMS of CIBIL hit as well 🤣

I already have INFINIA just thought of giving a shot how that goes. The branch i visited has no branch manager and 3 staff in total 🤣 Though quite a big branch in terms of size and area, Capacity enough to hold 20-30 staff.

For some reason with 0 balance from past 3 yrs i'm wealth management customer.

Now i can see the SMS rejection coming before my eyes.

If she manage to get approval for EPM, give her Bournville 70% dark as treat 😂

 

[kvndsz512]

Visited a newly opened branch today, there were hardly 3-4 staff in the branch. Asked for the Pvt Metal card on helpdesk, she called a lady who deals with CC.

She showed me the same pvt metal PPT with benefits and fees. Asked my salary (didn't asked any other relationship with icici) and said send me the documents and she will log the application.

I have an active icici account with 0 balance and 0 credit since last 3 yrs and a coral cc with 5.5 L limit.

I sent the document on whatsapp, she asked for few otps and logged the application.

Didn't asked for anything else, If this gets approved i would be more than surprised.

Current Sal : Over 5l monthly before tax.

Let's see how that goes.

for me nothing no otps asked just my existing cc number and an sr was raised just with decent enough trv of 50L in my account and total family trv above 1cr.. no need to log anything no application nothing done

my last yr itr filed was 7L now would be 10-12L

probably would get the card in imobile by today or tomorrow

 

[abhiaj_geek]

for me nothing no otps asked just my existing cc number and an sr was raised just with decent enough trv of 50L in my account and total family trv above 1cr.. no need to log anything no application nothing done

my last yr itr filed was 7L now would be 10-12L

probably would get the card in imobile by today or

Very different from mine. Lets see

 

[theXfactor]

Visited a newly opened branch today, there were hardly 3-4 staff in the branch. Asked for the Pvt Metal card on helpdesk, she called a lady who deals with CC.

She showed me the same pvt metal PPT with benefits and fees. Asked my salary (didn't asked any other relationship with icici) and said send me the documents and she will log the application.

I have an active icici account with 0 balance and 0 credit since last 3 yrs and a coral cc with 5.5 L limit.

I sent the document on whatsapp, she asked for few otps and logged the application.

Didn't asked for anything else, If this gets approved i would be more than surprised.

Current Sal : Over 5l monthly before tax.

Let's see how that goes.

your sal. is pretty decent, you have a chance. Your net should be >3L?

 

[abhiaj_geek]

your sal. is pretty decent, you have a chance. Your net should be >3L?

His problem isnt the salary part. It is the rm part.

@techstrom007 if this rm doesnt come through, dm me. I can connect you with my rm ^_^

I know how frustrating a useless rm can be.

 

[techstrom007]

your sal. is pretty decent, you have a chance. Your net should be >3L?

Net credit is over 4L

 

[theXfactor]

Net credit is over 4L

that's good 👍.

 

[kvndsz512]

His problem isnt the salary part. It is the rm part.

@techstrom007 if this rm doesnt come through, dm me. I can connect you with my rm ^_^

I know how frustrating a useless rm can be.

haha can ur rm help others too?

 

[kvndsz512]

Very different from mine. Lets see

haha yes i never knew that it would be possible this way without any application or otp etc

just an sr raised for upgradation

i always thought they would log an application etc then do the needful even when doing with approval way

 

[abhiaj_geek]

haha can ur rm help others too?

I guess. He is a corporate rm, so no harm in asking.

 

[IKFLRT]

I guess. He is a corporate rm, so no harm in asking.

bro can you dm your RM details? I'm eligible salary wise but have had no success so far.

 

[Hackmebro]

I’m eligible as self employed by ITR, yet my home branch is not ready to take my application saying that I do not meet their requirements lol. ITR > 50L.

My new home loan from ICICI just got disbursed for 2 Cr, I’ve emailed them that if they do not apply EPM for me - I’ll be happy to transfer my loan to another institution. They’ve raised an escalation and sent an email to my home branch. Let’s see how this goes

 

[BVCBVC is verified member.]

for me nothing no otps asked just my existing cc number and an sr was raised just with decent enough trv of 50L in my account and total family trv above 1cr.. no need to log anything no application nothing done

my last yr itr filed was 7L now would be 10-12L

How come with just 7L ITR?

probably would get the card in imobile by today or tomorrow

Do you hold any existing cards?