Factors for application getting declined

[RM95]

Recently, my application for the ICICI Platinum Chip CC was declined by the bank. They didn't provide any reason, and asked me to retry again after 6 months.

I have a CIBIL score of 786, monthly gross > 1L and have never ever defaulted on a payment, so I find it weird that they would reject it.

Could there be any obscure reason I'm missin (e.g. Declined because I have an active home loan or declined because I already hold another card from ICICI [APay])?

 

[anirban.choudhuryanirban.choudhury is verified member.]

ICICI doesn’t has any such limit on credit cards
I am having 3 cards from icici

Try mailing icici cc redressal team and ask them to reconsider your application

 

[RM95]

ICICI doesn’t has any such limit on credit cards
I am having 3 cards from icici

Try mailing icici cc redressal team and ask them to reconsider your application

I did. Twice. Each time, they keep sending the same boilerplate reply, citing internal bank policy and asking me to re-apply 6 months later, or to opt for a secured CC

 

[anirban.choudhuryanirban.choudhury is verified member.]

What is the mail id you sent your mail to ?

 

[RM95]

customer.care@icicibank.com

 

[anirban.choudhuryanirban.choudhury is verified member.]

Try mailing
headcreditcards@icicibank.com