ICICI Credit Card ICICI CC UPGRADE PRE APPROVALS

[Krishna Kumar]

Kindly elaborate your whole relationship.
1)Years of relatiohsip
2)SB or CC?
3) how many CCs LTF/ paid/ age/ CL etc...
4)salary account or norml account..
I am tryig to figure out iscore's significance..

I am sure it is playing some role with regard to pre approved offers.. ut want to know to what extent..
I eed at least 10 case studies to get some reasonable understanding od iScore..

Planning to write a article about iScore i a weel of two's time...thanks

Sure!

• Apay was my first CC - got it in 2020
• Got Platinum CC in 2021
• Applied for Sapphiro in August 2023 - Bank agent missold it by saying it as LTF. I got the card thinking it as LTF.
• Got Coral Rupay as Pre-approved in Sep 2023.
• They charged Joining fee in the first Sapphiro statement - I realized the card was not LTF - fought few wars to convert to LTF but in vain, and closed Sapphiro. They reversed the JF.
• Opened WM savings account (not salary) last month - April first week.
• Having Apay, Platinum and Coral Rupay right now with CL of 10.5 lakhs.

I guess closing the Sapphiro weakend my profile.

 

[Dixit]

Go to discover tab and scroll to the bottom

Is it available for those who only hold CC and no savings account?

 

[ahtsham]

Some details about relationship pls.
and also what is your iScore?

iScore is 44.
Using ICICI credit cards since 9 months. Also have a zero balance student saving account with them.

 

[SSV]

Currently my iscore is 57, till now no pre-approved offers received.

How iscore can be increase ?

By having more deeper relationship with icici's credit products,
Using imobile app for
1) upi payments by qr scan
2)by doing mobile recharge
3) booking train tickets

It will be mentioned at the iScore place, about how to increase the score for you.
Pls check

 

[SSV]

Is it available for those who only hold CC and no savings account?

For CC only guys the discover tab is not available

 

[MS R]

My Update: Salary Account with ICICI

Existing ICICI Credit Cards (All LTF) in Order of Approval:

• Platinum (my first ICICI card)
• Amazon
• Coral Rupay (obtained by changing SIM to an Android phone, thanks to the TF community)
• Sapphiro Dual (approved in March 2024 via RM)
• Rubyx Visa LTF (upgraded from Platinum via Twitter/customer care immediately after Sapphiro approval)

After checking for upgrades in the mobile app and net banking, I found an MMT with JF & 0 AF and a Rubyx Visa paid card, even though I already had an LTF Rubyx. Hoping for an LTF Emerald card, I swapped my SIM to an Android phone but was offered an LTF Rubyx Dual card instead. Despite feeling like a downgrade, I applied for the LTF Rubyx Dual card, which I can now see virtually in the mobile app.

Suggestion: If you are using an iPhone, switch your SIM to an Android phone. You might get a higher variant LTF upgrade....

 

[SSV]

iScore is 44.
Using ICICI credit cards since 9 months. Also have a zero balance student saving account with them.

You need to improve the score

 

[Krishna Kumar]

Sure!

• Apay was my first CC - got it in 2020
• Got Platinum CC in 2021
• Applied for Sapphiro in August 2023 - Bank agent missold it by saying it as LTF. I got the card thinking it as LTF.
• Got Coral Rupay as Pre-approved in Sep 2023.
• They charged Joining fee in the first Sapphiro statement - I realized the card was not LTF - fought few wars to convert to LTF but in vain, and closed Sapphiro. They reversed the JF.
• Opened WM savings account (not salary) last month - April first week.
• Having Apay, Platinum and Coral Rupay right now with CL of 10.5 lakhs.

I guess closing the Sapphiro weakend my profile.

It is weird that opening a savings account with them actually reduced the score😂

 

[Krishna Kumar]

It is weird that opening a savings account with them actually reduced the score😂

Also using ICICI Fastag since 2021. Dont know that counts.

 

[MS R]

My Update: Salary Account with ICICI

Existing ICICI Credit Cards (All LTF) in Order of Approval:

• Platinum (my first ICICI card)
• Amazon
• Coral Rupay (obtained by changing SIM to an Android phone, thanks to the TF community)
• Sapphiro Dual (approved in March 2024 via RM)
• Rubyx Visa LTF (upgraded from Platinum via Twitter/customer care immediately after Sapphiro approval)

After checking for upgrades in the mobile app and net banking, I found an MMT card with JF & 0 AF and a Rubyx Visa paid card, (even though I already had an LTF Rubyx). Hoping for an LTF Emerald card, I swapped my SIM to an Android phone but was offered an LTF Rubyx Dual card instead. Despite feeling like a downgrade, I applied for the LTF Rubyx Dual card, which I can now see virtually in the mobile app.

iscore - 41

 

[SSV]

It is weird that opening a savings account with them actually reduced the score😂

Also using ICICI Fastag since 2021. Dont know that counts.

Just wait for a week, I will wrote down a detailed article about it

 

[SSV]

Also using ICICI Fastag since 2021. Dont know that counts.

No . .

 

[jeevanreddy58]

I have recently upgraded to Sapphiro from HPCL coral.. also after that there was one inactive card not delivered long ago.. I asked them abt it and they gave it.. which is Coral HPCL Visa Platinum..
So I have two HPCL cards now.. Can I request via Twitter to upgrade to Rubyx? does they allow ?

 

[SSV]

I have recently upgraded to Sapphiro from HPCL coral.. also after that there was one inactive card not delivered long ago.. I asked them abt it and they gave it.. which is Coral HPCL Visa Platinum..
So I have two HPCL cards now.. Can I request via Twitter to upgrade to Rubyx? does they allow ?

Yes, you can request for it..
If there is any possibility they will honor it.
No loss in trying

 

[axb]

Kindly elaborate your whole relationship.
1)Years of relatiohsip
2)SB or CC?
3) how many CCs LTF/ paid/ age/ CL etc...
4)salary account or norml account..
I am tryig to figure out iscore's significance..

I am sure it is playing some role with regard to pre approved offers.. ut want to know to what extent..
I eed at least 10 case studies to get some reasonable understanding od iScore..

Planning to write a article about iScore i a weel of two's time...thanks

I got iscore of 70. only Rupay Coral as LTF offered
1. 5.6Yrs
2. SB
3. 2 LTF CC 5.4 Yrs Plat & Apay
4. Salary

 

[SSV]

I got iscore of 70. only Rupay Coral as LTF offered
1. 5.6Yrs
2. SB
3. 2 LTF CC 5.4 Yrs Plat & Apay
4. Salary

Take the coral Rupay LTF and start using iMobile UPI qr scan linked to your coral Rupay.. your score and pre approved offers will increase in 3 to 6 months time

 

[SSV]

Sure!

• Apay was my first CC - got it in 2020
• Got Platinum CC in 2021
• Applied for Sapphiro in August 2023 - Bank agent missold it by saying it as LTF. I got the card thinking it as LTF.
• Got Coral Rupay as Pre-approved in Sep 2023.
• They charged Joining fee in the first Sapphiro statement - I realized the card was not LTF - fought few wars to convert to LTF but in vain, and closed Sapphiro. They reversed the JF.
• Opened WM savings account (not salary) last month - April first week.
• Having Apay, Platinum and Coral Rupay right now with CL of 10.5 lakhs.

I guess closing the Sapphiro weakend my profile.

Take the Coral Rupay LTF thru X route and start using for Scan QR's via iMobile UPI linked to Coral RUpay...
it will improve your iScore

 

[axb]

Take the coral Rupay LTF and start using iMobile UPI qr scan linked to your coral Rupay.. your score and pre approved offers will increase in 3 to 6 months time

I have Tata Neu Infinity so UPI on Coral would not be rewarding. May take it as an extra Icici card if you say it would increase pre-approved offers

 

[SSV]

I have Tata Neu Infinity so UPI on Coral would not be rewarding. May take it as an extra Icici card if you say it would increase pre-approved offers

Have you got any other cards on offer for you now?

 

[axb]

Have you got any other cards on offer for you now?

Emerald , Rubyx Rupay & Expressions Paid only