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ICICI Credit Card ICICI CC UPGRADE PRE APPROVALS
- Thread starter SAS
- Start date
Okay...
Using CC and paying back in time in fact should increase the score , not decrease...
Not to worry anyway... you have very good relationship with them .. It will claim back...
But it is very interesting that you have some deep relationship with them still , you have sub par score..
In my view your score should be above 90...
Is your CIBIL less than 770?
I believe Iscore isn't the only factor bank consider for pre-approved offers. My (iscore) is currently 47, and in December, it was even lower at 0. Despite this, I've been receiving pre-approved offers for the past eight months, including the paid tier of the Emerald credit card.
While a Iscore is a good indicator of your creditworthiness, it seems banks might also use other factors in their pre-approval process. It's just like credit score.
This is correct...
Who said ?
How did you know for sure that iScore has no role in determining pre approved offers to some extetnt?
Okay, that doesnt mean it doent have its role... you have some other factors that is being influenced in the process..
What is your complete ICICI relationship profile?
what is your iScore during this period?
What is your CIBIL score for these years??
I will show you proof that it has its role...
We are no way saying that iScore dictates pre - approved offers... what we are saying is it has its role amongst other factors in the determination of pre-approved offers' components.
I will talk about this components part a bit later...
Bro. I am tracking this for a very long time.
Believe me when I say it doesn't have any role, it does not have it.
ICICI preapproved offers are decided based on things like your profile, corporate tieups and your existing card.
Whereas iScore is purely based on what kind of relation you have with ICICI and what kind of transactions you do from your account.
Sir, There is lot of noise in that as well I hold Coral, Rubyx and Sapphiro LTF and ICICI want me to pay for HPCL card that too forcefully.
When targets comes profiles and iScore everything go out of the window.
I also used to believe it like that and I am also tracking this for 4 years..
They changed it recently how it works..
I am not sure you checked the descriptions of each components.
..
Noone is denying that and every bank does this...
LTF upgrade is still a mystery. But they have changed their backend in the last month and hence a lot people received LTF upgrades.
It would be too soon to come to any conclusion. But I am 100% sure that iScore has no influence in this.
This is how the score was derived from..
That is what you are saying...
But what you are not addressing is; what are they doing with score?? Do you think they just doing it for some fancy thing?? T
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Here is what I am talking about the evidence that iScore is playing some role in the pre -approved offers' components..
pre approved offer
So do u guys know how do i get pre-approved offer in hdfc. My situation right now is: 1) I have an fd backed icici instant platinum credit card with 45k limit 2)I am 19 yrs old 3)civil of 760, Experian of 764 the issue here is my age as I believe no bank gives card to under 21. So I don't have...
www.technofino.in
Please go thru the above thread in entirety... and express your views...
No harm in having opposite views.. we are debating here the subject matter ...
Account holder 18 years. Last year with great difficulty they made hpcl as ltf.paid cc in netbanking.
Will try to check in another mobile since honor huwaei is npt compatible with imobile
Will try to check in another mobile since honor huwaei is npt compatible with imobile
Beyond
TF Ace
How does icici convert paid to LTF via retention offer or there is any criteria?
