Getting ICICI secured card, should I wait for unsecured card or take it?

[Taicu819]

If I have a secured icici cc, then will I not get a pre approved cc? Have a 4 year old savings account with icici and keeps almost 15-20k mab, but still no pre approved offers shown!

 

[ashwinkashwink is verified member.]

That is so satisfying to read

Congratulations in advance ❤

 

[ashwinkashwink is verified member.]

But one card limit is 15k

Your one card banking partner

 

[akshayhs]

I GoT WITH onecard limit of 31400...bob limit is 34000

What procedure did you follow? Can I get BoB Select with a OneCard limit of 50k active for 7m?

 

[ashwinkashwink is verified member.]

What procedure did you follow? Can I get BoB Select with a OneCard limit of 50k active for 7m?

Obviously yes bro go ahead with BOB financial website in income documents section submit your card pic and latest statement

 

[akshayhs]

Obviously yes bro go ahead with BOB financial website in income documents section submit your card pic and latest statement

What else do they ask? And what kind of kyc must I be ready for?

 

[ashwinkashwink is verified member.]

What else do they ask? And what kind of kyc must I be ready for?

Mostly vkyc will be done if don't have an account in bob

 

[akshayhs]

Most vkyc will be done if don't have an account in bob

No that's fine. It's only for my residence address or also for my work address?

 

[ashwinkashwink is verified member.]

No that's fine. It's only for my residence address or also for my work address?

Works.

 

[Batmanbaba]

What procedure did you follow? Can I get BoB Select with a OneCard limit of 50k active for 7m?

I Applied online... With 3 month old one card lite.... In place of itr... Every where I uploaded my one card statement... They mailed... For itr documents... There also i sent cc statement... And my bob bank account 6 month statement with front of one card....
I was approved of easy rupay variant... After 2 month of using I mailed and got it upgraded to rupay premier....

I gave no documentation... Except cc statement... Also... There was no ipv for me... There was no contact from bank of baroda to me regarding my application.. It was approved... Even after I received.. A mail for rejection... After week of rejection mail... I got a link for vkyc.... Then I did instantly... In 1 day it was approved.... After vkyc...

 

[Batmanbaba]

Then use apay... It has highest limit

Okay i have apay 1.5 lc and platinum too
But one card limit is 15k

 

[Shraaj]

I have mine savings account but also got the pre approved offers

What did you do? Please Share. I am also waiting for such offers, Actually to be honest I am waiting for the Credit Card offers! I have received there Other Offers Like Vehicle Loan,Personal Loan,Home Loan,etc.

 

[Shraaj]

Yes, its confirmed, I had a secured card a year back before got APay and Coral.

How did you got Coral Brother?

 

[ashwinkashwink is verified member.]

What did you do? Please Share. I am also waiting for such offers, Actually to be honest I am waiting for the Credit Card offers! I have received there Other Offers Like Vehicle Loan,Personal Loan,Home Loan,etc.

Just used the debit card for most of my transactions and checked my cibil free from iMobile app ✌

 

[Bhaskar]

ICICI is very lazy in terms of giving pre-approved credit card offer from my experience. I have an saving account from last 1 year. They have every other offer like 2 wheeler, car, gadget loan etc. But they never give credit card offer. At last I had to apply platinum card and it was approved. But only 50k limit given. Then applied Amazon pay it was also shared with platinum.

 

[Batmanbaba]

What was ur cibil when u applied for platinum.. Was any documents asked..???

ICICI is very lazy in terms of giving pre-approved credit card offer from my experience. I have an saving account from last 1 year. They have every other offer like 2 wheeler, car, gadget loan etc. But they never give credit card offer. At last I had to apply platinum card and it was approved. But only 50k limit given. Then applied Amazon pay it was also shared with platinum.

 

[ashwinkashwink is verified member.]

What was ur cibil when u applied for platinum.. Was any documents asked..???

I have seen some people got this card approved like a pre approved card without any additional documents or verification

 

[Dhaval parihar]

Okay i have apay 1.5 lc and platinum too
But one card limit is 15k

Do y

What was ur cibil when u applied for platinum.. Was any documents asked..???

douou
have apay

 

[Batmanbaba]

Do y

douou
have apay

NO.... I don't have apay.. I am thinking of taking platinum first... And then apply for apay.. On basis of platinum...

 

[TheTrickySid]

What procedure did you follow? Can I get BoB Select with a OneCard limit of 50k active for 7m?

Bro
Apply from branch approvals have high chances and the time taken for approval is also less atleast in my case.

Let me tell you my scenario.

I wanted to apply BoB C2C where my oldest cc was only 4 months old with 50k limit which was highest of all.
I went to the branch to apply but the cc executive wasn't present instead they had displayed the executive's number on the counter.
I had a discussion with the executive and they told that as the card is not 6 months old they can't assure approval of cc.
I was ready to take a chance and told to apply, so I wanted premier cc but I had no income docs nor some good old cc, so the executive suggested me to apply for easy which would probably have the easiest approval.
So the executive directly applied without C2C and income docs.

Card was approved on fifth day and delivered on day 7. Limit was 44k.

And I then converted this easy cc into Rupay premier cc easily.
So basically take the cc with the highest approval rate and then convert it to the desired one

So try applying through branch if possible.
If u r from Mumbai I can provide you Agent's number.

 

[Taicu819]

@Taicu819 If you are using secured card more than 6 months, just apply Apay card from Amazon. Chance are getting Unsecure APay is high.

I did bro but got rejected.. now waiting for the cool down period.. I'm rarely using the secured card and it's already 15 months old.