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!

 

[Shraaj]

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

Why everyone is going for rupay premier variant? whats so special in this?

 

[Dhaval parihar]

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.

Yes vro pls provide bob agent no

 

[TheTrickySid]

Why everyone is going for rupay premier variant? whats so special in this?

Nothing extra ordinary,
Opted rupay just coz of the UPI linking and premier is way better than easy.

Didn't took select event it's much rewarding according to my spends coz won't use this cc as primary one.
Also holding premier cc opens doors for eterna in future

 

[ashwinkashwink is verified member.]

Why everyone is going for rupay premier variant? whats so special in this?

Lalach

 

[Dhaval parihar]

Lalach

I dont know which variant i was offered but is there any way to choose the rupay variany

 

[ashwinkashwink is verified member.]

premier cc opens door for eterna

High itr is also mandatory.

 

[Dhaval parihar]

This thread is now converted to bob cards from icici

 

[ashwinkashwink is verified member.]

I dont know which variant i was offered but is there any way to choose the rupay variany

It's issuing randomly but later you can request for the change

 

[TheTrickySid]

High itr is also mandatory.

Hum C2C wale hai ji.
Hum ITR me vishwas nahi rakhte.

BTW I was talking about the future maybe BOB start issuing eterna LTF as well waiting for that thing.

 

[ashwinkashwink is verified member.]

Hum C2C wale hai ji.
Hum ITR me vishwas nahi rakhte.

BTW I was talking about the future maybe BOB start issuing eterna LTF as well waiting for that thing.

BTW did your indusind partner account given you any pre approved offer?

 

[TheTrickySid]

Yes vro pls provide bob agent no

Check DM

 

[TheTrickySid]

BTW did your indusind partner account given you any pre approved offer?

Not yet only 3 months completed.
But I have a different plan from Indusind much better than pre approved which will probably make my cc journey way more easier for all banks

 

[ashwinkashwink is verified member.]

Not yet only 3 months completed.
But I have a different plan from Indusind much better than pre approved which will probably make my cc journey way more easier for all banks

DM me as well I too have an indusind account

 

[TheTrickySid]

DM me as well I too have an indusind account

DM me about all your relationships with Indusind.
Sath me lutenge

 

[ashwinkashwink is verified member.]

DM me about all your relationships with Indusind.
Sath me lutenge

Just opened an account only nothing else

 

[Bhaskar]

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

My cibil was 748 then. Yes salary slip of last 3 months plus bank statement of last 3 months were asked.

 

[Bhaskar]

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.

Suggest you to first apply platinum. I was also rejected when applied apay first. After getting platinum, i applied for apay again after 4 months. Got instant approval based on platinum.

 

[Kamal]

For me when i first applied they rejected directly as i was not holding any credit card .
After six months i got Axis card as pre approved and after that apay was approved without any relationship with them.

But they asked me for my employer details and even verified company email with OTP while applying the card.

 

[Bhaskar]

I think as cibil has been generated your platinum application now will be approved most probably.