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..
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- Thread starter SAS
- Start date
and then came into blistering form after 10 years in this case..
SAS
TF Premier
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
I checked every month for offers and still got rubyx ltf this month.
You take a Cibil hit every month for this?
@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.
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
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.
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.
Hahaha, I also hold my 9 cards and pretend to play cards.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
Unless the bank is Axis. In that case they punish you. The higher your spends with them and more severe their punishment will be.
So how many icici cards do you have right now? 5?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
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..
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.
lol, I am planning to open a Burgandy account with them and get M4B.
If you get it ltf somehow then let me know.
M4B is LTF only, no?
nik007rock
TF Premier
I sense devaluation in sapphiro/rubyx (basically whatever is left to get devalued)
I think the latest batch of offers given to the customers may be a bit liberal.. lets wait and see what others also got..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
If this holds true, then they might have fine tuned their algo..
