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ICICI Card for Self employed
- Thread starter CC_User_
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- icici self employed
Apply Amazon Pay and after approval icici will flood u with their core cards. Else no way....
Not entirely true, I got pre approved offer from ICICI, I have a WM account and low to medium usage
there are 3 ways
1. Open an account in ICICI and wait for pre-approved offer - this may take some time and it totally depends on how u maintain the account and ur relationship with the bank
2. Apply for Amazon pay ICICI CC from amazon app use it for a few months u might get a pre approved offer from ICICI
- I'm in similar situation, I've Apay cc and it's been 6 months but I did not get any card offer . it totally depends on ur luck and remember that they stopped sourcing their core cards on LTF basis through twitter which most of the ppl followed few months ago
3. Apply for their cards offline and submit ITR they will review ur application.
The method I'd suggest:
open account-> apply for Amazon pay cc-> within a few months u will get any core card as pre approved and it would be mostly LTF - 99.99% works
I tried with last 3 yrs ITR, still they rejected.
Did you not get any pre approved offers so far?
That's not the case. Except icici, all top 10 cc issuers give without income proof, without savings account
Nothing so far 😕
How long have you been with them? Your ITR ballpark?
TrueColours
TF Select
Self employed ....
March, 2020 – opened savings a/c, 10k MAB
Dec, 2020 – Got pre- approved AmazonPay ICICI card with 38K limit
Oct, 2021 – First LE, 38k to 90k
Nov, 2021 – Got pre-approved LTF Coral CC
Sept, 2022 – Second LE, 90k to 3L
March, 2023 – Third LE, 3L to 4.7L
June, 2023 – Fourth LE, 4.7L to 5L
August, 2023 – Got pre-approved instaOD for saving account with 5L limit (without any charges)
March, 2024 – Got pre-approved LTF RubyX CC
March, 2020 – opened savings a/c, 10k MAB
Dec, 2020 – Got pre- approved AmazonPay ICICI card with 38K limit
Oct, 2021 – First LE, 38k to 90k
Nov, 2021 – Got pre-approved LTF Coral CC
Sept, 2022 – Second LE, 90k to 3L
March, 2023 – Third LE, 3L to 4.7L
June, 2023 – Fourth LE, 4.7L to 5L
August, 2023 – Got pre-approved instaOD for saving account with 5L limit (without any charges)
March, 2024 – Got pre-approved LTF RubyX CC
sunit123
TF Ace
The biggest challenge for self employed is that 90% of them have same home and office address...Bank clearly mention that if the address is same, application will be rejected....
Wooow 😮
Avg bal maintained in account and total credits per month??
Any income docs asked/given to bank?
TrueColours
TF Select
My mother is self-employed and she too has a similar trend in LE and pre-approved CCs after opening her account in 2021
In ICICI without an account, it's not that easy to acquire a CC for a self-employed person even his/her credit profile is excellent
this is what I observed in the last 3-4 yrs
I applied as self employed got Amazon credit card limit 50K, cibil score was 730. Applied in October 2023. Physcial home verification, and card approved in 10 days in first attempt.
In upcoming three months I call bank to get Platinum credit card approved and
Then in March 2024 Coral cc pre approved.
Now October 2024 I got pre approved for RubyX, HPCL( both paid ) and Sapphiro FYF.
So I took sapphiroCC
* No ICICI savings account.
In upcoming three months I call bank to get Platinum credit card approved and
Then in March 2024 Coral cc pre approved.
Now October 2024 I got pre approved for RubyX, HPCL( both paid ) and Sapphiro FYF.
So I took sapphiroCC
* No ICICI savings account.
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Finally, I got Coral Rupay
I req for coral rupay cc via Twitter based on my Apay cc(6 mns old), they took the req
but they said the card is chargeable, I gave my consent and the card was generated today
I know it doesn't make any sense to pay 590 for this card but I will try to conv this to LTF during renewal
meanwhile is there any chance of getting LTF cards as now I have their core cc?
I req for coral rupay cc via Twitter based on my Apay cc(6 mns old), they took the req
but they said the card is chargeable, I gave my consent and the card was generated today
I know it doesn't make any sense to pay 590 for this card but I will try to conv this to LTF during renewal
meanwhile is there any chance of getting LTF cards as now I have their core cc?
I have applied apay cc last night for 6th or 7th time again around 11:00 pm
Now upon tracking status, it shows this. Have received mail and notification to complete kyc but no link/option to complete same😭
Anyone have idea?
Now upon tracking status, it shows this. Have received mail and notification to complete kyc but no link/option to complete same😭
Anyone have idea?
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