ICICI Credit Card ICICI CC UPGRADE PRE APPROVALS

[SSV]

Summoning @SSV to solve the mystery of this miracle.......

look at the time they hold the cards ... since 10 yaers ... it snot 1 2 years game .... we need to have lot of patience

Yes.. the length of the relationship played a crucial role here.. the algo was warming up until 10 years
and then came into blistering form after 10 years in this case..

 

[SAS]

not just on CC..
More credit limit on pre-approved HL,PL AL Loan against property, Loand against CC etc.

bhai my brother is self employed i mean he is a priest who do pujas and and astrology and all .... we need a home loan .... many people are saying for self employed especially priests ...banks will not give loans .... when i approached axis they are saying that int will be 11% .... i just dont know what to do

 

[Rahul Gupta]

Just wait and don't check on their portal. Give them cold treatment for 6 months, you will see offers.
Banks love to give money to those who don't need it.

I checked every month for offers and still got rubyx ltf this month.

 

[SSV]

bhai my brother is self employed i mean he is a priest who do pujas and and astrology and all .... we need a home loan .... many people are saying for self employed especially priests ...banks will not give loans .... when i approached axis they are saying that int will be 11% .... i just dont know what to do

Follow my posts in the new thread I am going to create about iscore and also other posts in general, for a month or two.. then we can talk .

 

[aayusharyan]

bhai my brother is self employed i mean he is a priest who do pujas and and astrology and all .... we need a home loan .... many people are saying for self employed especially priests ...banks will not give loans .... when i approached axis they are saying that int will be 11% .... i just dont know what to do

If there is a collateral, try for that. Anyway the house itself should be used as a collateral, 11% is way to much.

 

[aayusharyan]

I checked every month for offers and still got rubyx ltf this month.

You take a Cibil hit every month for this?

 

[Rahul Gupta]

Yes.. the length of the relationship played a crucial role here.. the algo was warming up until 10 years and then came into blistering action after 10 years in this case..

@Wealth is my birth right! Is holding coral from 5 years and he didn't recieve any ltf offer.

On the other hand i got my icici coral card last year and this month got rubyx ltf.

Their algo is totally random it seems. Btw my icici card usage last year was 9.8 lacs.

 

[Rishabh]

Congratulations. I need this kind of luck. Btw did you take both offers? And whats your iscore?

Offcourse yes. I accepted RubyX upgrade assuming another 2-3 years wait to get Sapphiro offer but typical ICICI didn't wait for even 2 months & offered me Sapphiro now. 4 cards in last 2 months (dual each) & other existing active ICICI cards, i shall play Solitaire now with deck of ICICI Cards😛

 

[aayusharyan]

@Wealth is my birth right! Is holding coral from 5 years and he didn't recieve any ltf offer.

On the other hand i got my icici coral card last year and this month got rubyx ltf.

Their algo is totally random it seems. Btw my icici card usage last year was 9.8 lacs.

It can be a weighted factor logic, somethings hold importance but only to an extent and compared to that, other things can have more weightage.
Like, if you spend more and are returning on time, banks will happily give you more things because you are making more money for the bank in those MDR costs.

 

[Rahul Gupta]

You take a Cibil hit every month for this?

Na na i meant pre-approved upgrade offers in imobile app. I hate cibil inquiries. I am fighting with icici from 8 months over a wrong phone number and address in my cibil profile.

 

[aayusharyan]

Offcourse yes. I accepted RubyX upgrade assuming another 2-3 years wait to get Sapphiro offer but typical ICICI didn't wait for even 2 months & offered me Sapphiro now. 4 cards in last 2 months (dual each) & other existing active ICICI cards, i shall play Solitaire now with deck of ICICI Cards😛

Hahaha, I also hold my 9 cards and pretend to play cards.

 

[rogerthat]

It can be a weighted factor logic, somethings hold importance but only to an extent and compared to that, other things can have more weightage.
Like, if you spend more and are returning on time, banks will happily give you more things because you are making more money for the bank in those MDR costs.

Unless the bank is Axis. In that case they punish you. The higher your spends with them and more severe their punishment will be.

 

[Rahul Gupta]

Offcourse yes. I accepted RubyX upgrade assuming another 2-3 years wait to get Sapphiro offer but typical ICICI didn't wait for even 2 months & offered me Sapphiro now. 4 cards in last 2 months (dual each) & other existing active ICICI cards, i shall play Solitaire now with deck of ICICI Cards😛

So how many icici cards do you have right now? 5?

 

[SSV]

@Wealth is my birth right! Is holding coral from 5 years and he didn't recieve any ltf offer.

On the other hand i got my icici coral card last year and this month got rubyx ltf.

Their algo is totally random it seems. Btw my icici card usage last year was 9.8 lacs.

Again, length of relationship is not just the only one.. to determine the offers..
There will be a lot of permutations and combinations..

It will be like this:

1) A combination of Primary factors and also
2) a combination of secondary factors ..

It wil be a lot complex than just a single factor

these we will discuss in the new thread .. that I will create very soon.. in a day or two..

 

[aayusharyan]

Na na i meant pre-approved upgrade offers in imobile app. I hate cibil inquiries. I am fighting with icici from 8 months over a wrong phone number and address in my cibil profile.

Then that's okay. I am talking about the checks which one does that triggers a Cibil hit. Don't do that for 6 months, you increase your chances of getting an offer.

 

[aayusharyan]

Unless the bank is Axis. In that case they punish you. The higher your spends with them and more severe their punishment will be.

lol, I am planning to open a Burgandy account with them and get M4B.

 

[Rahul Gupta]

lol, I am planning to open a Burgandy account with them and get M4B.

If you get it ltf somehow then let me know.

 

[aayusharyan]

If you get it ltf somehow then let me know.

M4B is LTF only, no?

 

[nik007rock]

I sense devaluation in sapphiro/rubyx (basically whatever is left to get devalued)

 

[SSV]

Offcourse yes. I accepted RubyX upgrade assuming another 2-3 years wait to get Sapphiro offer but typical ICICI didn't wait for even 2 months & offered me Sapphiro now. 4 cards in last 2 months (dual each) & other existing active ICICI cards, i shall play Solitaire now with deck of ICICI Cards😛

I think the latest batch of offers given to the customers may be a bit liberal.. lets wait and see what others also got..
If this holds true, then they might have fine tuned their algo..