ICICI Credit Card ICICI CC UPGRADE PRE APPROVALS

[aayusharyan]

You can find check score using Spends link as well. For me the score is showing 86.

what is this score bro?

 

[0xfallup]

my iscore is 10 🥷

 

[Riya]

Set aside CC offers for a while...
SHare the SS of other loan offers etc..

 

[devine_mortal]

The Amex variant is good for Amex network offers on Zomato/ swiggy

Hardly. A lot of times, amex network offers are only valid on Amex issued cards. Saying this after using Rubyx Amex for a long time.

You can find check score using Spends link as well. For me the score is showing 86.

Arre wah! Tum toh seedhe CEO ki beti ka haath hi maang lo.

 

[Fini7777]

in pre aproved offers section ... it is showing home loan ... but not showing any amount ... does this mean a pre approval offer ???

No, as of now You don't have pre-approved home loan offer
it will show the amount if u have any offer

 

[Rdspam]

Hardly. A lot of times, amex network offers are only valid on Amex issued cards. Saying this after using Rubyx Amex for a long time.

Really? I have 3 amex issued cards and it never works on them and always asks for an amex network card instead. Always felt bad that they give better offers to their partner’s cards instead of their own.

 

[Fini7777]

i should check in my brother's account he is already having icici wm account .... and also FD credit card with icici owrth 1.3 lakh ..... what else do i need to follow ... like maintaining high average or creating one more FD any tricks ... what made you get pre approved offers and how long did it take to trigger that offers

My mother opened her account in 2021.
The transactions range between 50k to 2L sometimes higher than this and she does not use this acc regularly - secondary acc
but we use her credit cards regularly for the sales and offers
Firstly there was a debit card EMI after completion of the EMI she got her 1st apay cc with 2L limit
taken loan against cc 2 times of a small amount - this may work for you

Do some transactions regularly using their cc or DC and if you need a loan take it from this acc
Then the offers may trigger
iScore is 80

Coming to my case...
I received my Apay cc 3 months ago and I don't have any other relation, used the card once or twice
Strangely I rcvd pre-approved home loan offer of 62L I don't know how this offer is triggered

 

[aayusharyan]

lol, my iScore is 60.

 

[Fini7777]

lol, my iScore is 60.

Did u get any LTF offer?

 

[Fini7777]

Guyss... let me know if anyone of u got ICICI Core cards like coral, rubyx... with only Apay cc
I've only ICICI Apay cc and don't have any other rel with bank Is there any chance that I can get their core cc ?

 

[aayusharyan]

Did u get any LTF offer?

I hold all CC upto Sapphiro included as LTF.

 

[aayusharyan]

Guyss... let me know if anyone of u got ICICI Core cards like coral, rubyx... with only Apay cc
I've only ICICI Apay cc and don't have any other rel with bank Is there any chance that I can get their core cc ?

Start with Platinum I think.

 

[Fini7777]

Start with Platinum I think.

will try getting it

 

[agrprashantagrprashant is verified member.]

On imobile app (atleast on android), on the main page, at the bottom, second last option would be "Discover".

View attachment 57926

This is where you'll find your score at the bottom.

It's there on iOS as well after logging in. But my score is only 70 :-|

I've only ICICI Apay cc and don't have any other rel with bank Is there any chance that I can get their core cc ?

Yes, you can. See what cards you're eligible for on this ICICI link: https://buy.icicibank.com/ucj/cc/mo...1.1309458213.1718526132-1551545663.1691047345

Get a non co-branded card. Like aayusharyan said, even Platinum is fine to start with.

 

[Chiku]

My iscore is 86, they are offering Rubyx as LTF, should I wait for better offer?

 

[SSV]

My iscore is 86, they are offering Rubyx as LTF, should I wait for better offer?

your iScore is good..
you can wait and continue to do the transactions as it is now..

 

[agrprashantagrprashant is verified member.]

My iscore is 86, they are offering Rubyx as LTF, should I wait for better offer?

If I were you I'd have taken it and waited on Sapphiro/Emerald LTF.

Talent jitna bhi ho, jab promotion mile toh le lena chahiye.

 

[Chiku]

your iScore is good..
you can wait and continue to do the transactions as it is now..

0 Transactions in my a/c, there are 2 FDs which are like my emegency funds.

 

[SSV]

0 Transactions in my a/c, there are 2 FDs which are like my emegency funds.

okay , let us discuss in new iScore thread I will create soon..
I will update here the new thread link once it is available

 

[Rishabh]

Really? I have 3 amex issued cards and it never works on them and always asks for an amex network card instead. Always felt bad that they give better offers to their partner’s cards instead of their own.

I do find offers on Swiggy Instamart where discounts applicable only to bank issued Amex cards like ICICI/IndusInd etc. but not applicable to core amex cards 🙂