Hidden ICICI LE

[ProsperousPanda]

ICICI is offering credit limit upgrade user specific on Imobile app go to Card>Manage>Limit if eligible for upgrade new limit will be shown.

I think Apay card is excluded

 

[ontherocks]

Got a whopping 1.8 percent increase

 

[Vasuki]

Got a whopping 1.8 percent increase

Holy moly 🤣🤣🤣

Aapne sabse pehle
Ghabrana nahi hai

 

[Learner]

Got a whopping 1.8 percent increase

Mujhe 15% kam lag rhi thi, or fir maine ye dekha 🤣🤣

 

[devsfinance]

Okay.. l leave it

Hi, as suggested by you didn't use the card for 3 months now in this cycle using it for some transactions should I pay the amount before the statement generation or after i.e. should I let it come in the statement?

 

[SSV]

Hi, as suggested by you didn't use the card for 3 months now in this cycle using it for some transactions should I pay the amount before the statement generation or after i.e. should I let it come in the statement?

Before statement generation date ..

 

[devsfinance]

Before statement generation date ..

Thank you for so quick reply. Alright I will pay the amount before the statement generation i.e. will keep the bill to 0 and again stop using the cards for next month or two right?

 

[SSV]

Thank you for so quick reply. Alright I will pay the amount before the statement generation i.e. will keep the bill to 0 and again stop using the cards for next month or two right?

Yes correct. .

 

[HumorSimpson]

Yes..
@S S V - Cool Panda ( with sunnies on)
@Akashn - Baby Panda
@ProsperousPanda - HNI Panda (as name suggests..)
😉😉

ఏదేమైనా మీరందరూ challagunda

 

[devsfinance]

Yes correct. .

Also had one question I was thinking to get ICICI APay card, when should I apply for it? Some history(Have 1 card from ICICI got this in last July/August and have not applied for any other cards )

 

[SSV]

Also had one question I was thinking to get ICICI APay card, when should I apply for it? Some history(Have 1 card from ICICI got this in last July/August and have not applied for any other cards )

Give me complete picture of your icici relationship

 

[devsfinance]

Give me complete picture of your icici relationship

Got card in July/AUG
Opened a wealth a/c with 1 lac IP (Account and CC had no relation I got CC before getting the account)
no activity in account some activity with CC
talked with you about not using the card so didn't use the card for 3 months
got downgraded in first wave i.e. Dec to privilege as only1 lac AMB
Withdrew funds and kept only 25k-26k as it's 25k MAB required
used card this month as after 3 months to use was suggested by you currently have used around 10-12% of the Limit(Actually used a bit more but had some existing 6-7k which came as refund)

 

[SSV]

Got card in July/AUG
Opened a wealth a/c with 1 lac IP (Card and CC had no relation I got CC before getting the account)
no activity in account some activity with CC
talked with you about not using the card so didn't use the card for 3 months
got downgraded in first wave i.e. Dec to privilege as only1 lac AMB
Withdrew funds and kept only 25k-26k as it's 25k MAB required
used card this month as after 3 months to use was suggested by you currently have used around 10-12% of the Limit(Actually used a bit more but had some existing 6-7k which came as refund)

Okay, have you got any amazon account?
If so, please do some shopping using current icici card , frequently, even for small transactions and take prime membership as well, if it suits you.
Then apply from Amazon, for Apay card.. most likely you will get better CL with that card

 

[devsfinance]

Okay, have you got any amazon account?
If so, please do some shopping using current icici card , frequently, even for small transactions and take prime membership as well, if it suits you.
Then apply from Amazon, for Apay card.. most likely you will get better CL with that card

I do have amazon account, and will be using this card there (Only in this month though correct? as will stop using the card after bill generation), already have prime as well. So I should not wait before applying is you suggestion right?
(One question here I had seen a post somewhere on forum that suggested that banks may push CC in march as financial quarter is ending, if I take amazon CC now, then won't it create problem if I again apply for some other CC in next month if banks are allowing to apply?)
Also my current CL is < 3 * My salary

 

[SSV]

do have amazon account, and will be using this card there (Only in this month though correct? as will stop using the card after bill generation), already have prime as well. So I should not wait before applying is you suggestion right?

You can keep using for next month also in amazon and midnif March apply for apay card from Amazon.. you should get higher CL at this step itself..

 

[SSV]

ne question here I had seen a post somewhere on forum that suggested that banks may push CC in march as financial quarter is ending, if I take amazon CC now, then won't it create problem if I again apply for some other CC in next month if banks are allowing to apply?)

It depends on your age of credit profile and the bank for which you are applying card for.

You can get 2 or 3 cards in amonth ..no issues there..

 

[devsfinance]

You can keep using for next month also in amazon and midnif March apply for apay card from Amazon.. you should get higher CL at this step itself..

Just for clarification my statement date is 15 of each month, So now the way forward is use the card this month as much as I want pay before the bill generation so due is 0 or negative. From next cycle that is 15 Feb to 15 march use it only in amazon, Apply for Apay around 15 march or after that.
I hope I got your instructions correct me if I am wrong.

It depends on your age of credit profile and the bank for which you are applying card for.

You can get 2 or 3 cards in amonth ..no issues there..

For age this card is my first credit account.

 

[SSV]

Just for clarification my statement date is 15 of each month, So now the way forward is use the card this month as much as I want pay before the bill generation so due is 0 or negative. From next cycle that is 15 Feb to 15 march use it only in amazon, Apply for Apay around 15 march or after that.
I hope I got your instructions correct me if I am wrong.

Correct . .

 

[SSV]

Just for clarification my statement date is 15 of each month, So now the way forward is use the card this month as much as I want pay before the bill generation so due is 0 or negative. From next cycle that is 15 Feb to 15 march use it only in amazon, Apply for Apay around 15 march or after that.
I hope I got your instructions correct me if I am wrong.



For age this card is my first credit account.

Correct . .

How old is your credit history and cibil score?

 

[devsfinance]

How old is your credit history and cibil score?

As I mentioned earlier this credit card is my first credit account ever. No other history, And I guess the score got generated next month or a bit after that so hardly 6 months for credit history and 5 months for score I believe.

 

[SSV]

As I mentioned earlier this credit card is my first credit account ever. No other history, And I guess the score got generated next month or a bit after that so hardly 6 months for credit history and 5 months for score I believe.

Okay,it is better to apply for Apay card after cibil is generated then you will get good CL.