How to close FD based Secured Credit Card?

[falcon007]

Hi guys,

I have ICICI Credit Card secured by FD created long back.

And as per my information, I'm not getting any unsecured credit card because I am holding this Secured Credit Card.

Does anyone knows how to close this card within ICICI mobile app or through NetBanking?

 

[mohammedabraar4222]

Hi guys,

I have ICICI Credit Card secured by FD created long back.

And as per my information, I'm not getting any unsecured credit card because I am holding this Secured Credit Card.

Does anyone knows how to close this card within ICICI mobile app or through NetBanking?

You can place card cancellation request in netbanking.

 

[imdjay]

I am not 100% sure. but you can try this step to get an unsecured card instead of closing the card.

As you have a secured ICICI card, apply for an Amazon pay card. This would be an unsecured card.
After receiving this close your FD-based card, now you have an unsecured card and your problems are resolved.

I would suggest increasing the FD amount and the ICICI-secured card's limit first.

 

[falcon007]

I am not 100% sure. but you can try this step to get an unsecured card instead of closing the card.

As you have a secured ICICI card, apply for an Amazon pay card. This would be an unsecured card.
After receiving this close your FD-based card, now you have an unsecured card and your problems are resolved.

I would suggest increasing the FD amount and the ICICI-secured card's limit first.

I had applied for AmazonPay card several times before and it was rejected all the times.

The only reason I got to know for rejection is that I hold a Secured Credit Card.

 

[Tejo]

I had applied for AmazonPay card several times before and it was rejected all the times.

The only reason I got to know for rejection is that I hold a Secured Credit Card.

make sure to not use that secured card limit at all else try to reduce to 25% utilization.

 

[Tejo]

I am not 100% sure. but you can try this step to get an unsecured card instead of closing the card.

As you have a secured ICICI card, apply for an Amazon pay card. This would be an unsecured card.
After receiving this close your FD-based card, now you have an unsecured card and your problems are resolved.

I would suggest increasing the FD amount and the ICICI-secured card's limit first.

How to increase icici secured credit card limit ?

 

[imdjay]

How to increase icici secured credit card limit ?

Do they not increase the limit if you increase the fd amount?

 

[the.avhishek]

Do they not increase the limit if you increase the fd amount?

Create new fd for higher amount, this is ICICI

 

[falcon007]

make sure to not use that secured card limit at all else try to reduce to 25% utilization.

There was a time I didn't use the card at all for many months. Just a normal 100-200 transaction in between.

And now, I have used it heavily consuming almost 80-90% of the limit.

 

[Tejo]

Do they not increase the limit if you increase the fd amount?

Only way is to break existing. Create high one, get new card.

 

[falcon007]

Closed the FD based card and on the next day Coral Pre-approved showing in NetBanking

Just ICICI things

 

[Tejo]

Closed the FD based card and on the next day Coral Pre-approved showing in NetBanking

Just ICICI things

fd limit?

pre-approved limit?

 

[falcon007]

fd limit?

pre-approved limit?

What's FD limit?
Didn't check the pre-approved limit though.

 

[Tejo]

What's FD limit?
Didn't check the pre-approved limit though.

i mean fd card imit

 

[falcon007]

i mean fd card imit

It was 18k on 20k FD

 

[avikrish]

Closed the FD based card and on the next day Coral Pre-approved showing in NetBanking

Just ICICI things

I have closed fd based icici credit card, what is the cooling period to apply for unsecured ICICI credit card?

 

[the.avhishek]

I have closed fd based icici credit card, what is the cooling period to apply for unsecured ICICI credit card?

mene account and fd wala card close krne k 3 din mehi amazon pay apply krdiya tha joki instant approved ho gya

 

[Tejo]

mene account and fd wala card close krne k 3 din mehi amazon pay apply krdiya tha joki instant approved ho gya

Salaried or self employed ?? Kya mentiona Kiya application form mey ?

 

[iampqq]

Icici mai min fd amt? And zero balance acc kaise kholna h?

 

[Tejo]

Icici mai min fd amt? And zero balance acc kaise kholna h?

50k

1lakh initial funding, online only