Icici cibil reporting query

[talkwithfino]

Hello folks

I read somewhere that Icici does not report the actual limit given to you. Instead, it reports the Transaction limit you have set for your Credit Card as Limit to Bureau. Is this true..?

For example, let's say you got Sapphiro with 5L limit; but since you don't plan to use the cc that much; you go to manage limits optn and select the Transaction limit for POS/ online as 2,00,000 instead of 5L.

So will Icici report 2L as the limit to Cibil or 5L ..??

Btw, one more thing about Icici, that I came to know through this forum, is that, while Icici reports accurately to Cibil, it does not report every month. It reports once in like two months...

 

[yusuf646]

Hello folks

I read somewhere that Icici does not report the actual limit given to you. Instead, it reports the Transaction limit you have set for your Credit Card as Limit to Bureau. Is this true..?

For example, let's say you got Sapphiro with 5L limit; but since you don't plan to use the cc that much; you go to manage limits optn and select the Transaction limit for POS/ online as 2,00,000 instead of 5L.

So will Icici report 2L as the limit to Cibil or 5L ..??

Btw, one more thing about Icici, that I came to know through this forum, is that, while Icici reports accurately to Cibil, it does not report every month. It reports once in like two months...

No, it's not true. ICICI reports your actual credit limit, your current balance, and your maximum utilization all separately.

 

[BVCBVC is verified member.]

Hello folks

I read somewhere that Icici does not report the actual limit given to you. Instead, it reports the Transaction limit you have set for your Credit Card as Limit to Bureau. Is this true..?

For example, let's say you got Sapphiro with 5L limit; but since you don't plan to use the cc that much; you go to manage limits optn and select the Transaction limit for POS/ online as 2,00,000 instead of 5L.

So will Icici report 2L as the limit to Cibil or 5L ..??

Btw, one more thing about Icici, that I came to know through this forum, is that, while Icici reports accurately to Cibil, it does not report every month. It reports once in like two months...

No will report actual credit limit only.

In your case 5L will be reported. They will categorize the cards under accounts.

- ICICI Emeralde will be separate (Including all Networks)

- Other Gemstone cards (One account only)

- Amazon Pay card (One separate account)

** Not sure of the ICICI Emeralde Metal Private.

 

[Anindya98]

Not True first one in my case I was using Apay Card with 1.5L. I received a pre approved offer for Rupay coral and opted for that with that I got the limit increment offer at the same time also took that my Apay Card limit increased to 4.2L but my coral remained 1.5L max limit in CIBIL both the cards were reported with different limits.
2nd one is true if you are not using the card regularly sometimes they skip one/two months

 

[BeingIncog]

- MMT, other Gemstone cards (One account only)

MMT will also be seperate account as it's co-branded CC.

 

[Anindya98]

The maximum limit available on your card

 

[BVCBVC is verified member.]

MMT will also be seperate account as it's co-branded CC.

My MMT has been issued 3 months back but it is yet to be under CIBIL account.

Thought they will be mapped to any account, So it has to be updated. (I have updated my comment above, Thank you).

 

[NOOBY]

- ICICI Emeralde will be separate (Including all Networks)

- Other Gemstone cards (One account only)

- Amazon Pay card (One separate account)

Didn't new Eleralde would be a new account (as its part of gemstone collection)

I knew only 3 accs: MMT (plat/sig), apay and gemstone

 

[BVCBVC is verified member.]

Didn't new Eleralde would be a new account (as its part of gemstone collection)

I knew only 3 accs: MMT (plat/sig), apay and gemstone

Emeralde is different (Multiple networks will be under same account only).

 

[MS R]

No will report actual credit limit only.

In your case 5L will be reported. They will categorize the cards under accounts.

- ICICI Emeralde will be separate (Including all Networks)

- Other Gemstone cards (One account only)

- Amazon Pay card (One separate account)

** Not sure of the ICICI Emeralde Metal Private.

Earlier, I thought all gemstone cards were in a single account. However, after receiving a dual Rubyx upgrade last week, I realized I have three different accounts in ICICI: (will chave to confirm in CIBIL as well)

1. Amazon: 1 account
2. Gemstone cards till 18th May: 1 account (Platinum, Coral RuPay, Rubyx Visa, Sapphiro dual) with the same bill/due date and the same outstanding EMI.
3. Rubyx Dual: From 18th May, with a different bill generation date and due date compared to my previous gemstone cards. It shows only one transaction and not the outstanding EMI.

Currently, two ICICI accounts are showing in CIBIL: one for Amazon and one for previous gemstone cards. I will check the CIBIL update in the coming months to see if the Rubyx dual card will show as a new account in CIBIL

 

[BVCBVC is verified member.]

Earlier, I thought all gemstone cards were in a single account. However, after receiving a dual Rubyx upgrade last week, I realized I have three different accounts in ICICI: (will chave to confirm in CIBIL as well)

1. Amazon: 1 account
2. Gemstone cards till 18th May: 1 account (Platinum, Coral RuPay, Rubyx Visa, Sapphiro dual) with the same bill/due date and the same outstanding EMI.
3. Rubyx Dual: From 18th May, with a different bill generation date and due date compared to my previous gemstone cards. It shows only one transaction and not the outstanding EMI.

Currently, two ICICI accounts are showing in CIBIL: one for Amazon and one for previous gemstone cards. I will check the CIBIL update in the coming months to see if the Rubyx dual card will show as a new account in CIBIL

I hold Emeralde Dual networks (Visa + Amex - One account)

Other Gemstone Cards (Coral Visa, Coral Rupay, Rubyx Dual - One account)

Amazon Pay (One account)

 

[Wealth is my birth right!]

Guys need a help on this topic
When ICICI reports CIBIL data?
I got recently LE to 5l but CIBIL reports show old limits only

 

[SSV]

Guys need a help on this topic
When ICICI reports CIBIL data?
I got recently LE to 5l but CIBIL reports show old limits only

About 3 months time

 

[Wealth is my birth right!]

About 3 months time

Ok sure thanks

 

[SSV]

Ok sure thanks

ICICI is the laziest bank to report to CIBIL but reports the accounts accurately

 

[Wealth is my birth right!]

ICICI is the laziest bank to report to CIBIL but reports the accounts accurately

Thought to apply for a c2c with other bank and need to have an eye on my CIBIL report once ICICI report reaches transunion for new limit 😊
Btw my june thing here

 

[SSV]

Thought to apply for a c2c with other bank and need to have an eye on my CIBIL report once ICICI report reaches transunion for new limit 😊
Btw my june thing here

An excellent score.
A few questions
1) age of credit profile?
2) Home loan ever held before or now
3) enquiries in the past 6 months and total
Thanks

 

[Wealth is my birth right!]

An excellent score.
A few questions
1) age of credit profile?
2) Home loan ever held before or now
3) enquiries in the past 6 months and total
Thanks

Welcome!
1.21yrs
2.2 HLs and a car loan all with hdfc but closed as of today
3.8 enquiries in 6 months overall total around 15
using gpay for pulling my CIBIL but its 30days once
Know airtel tataneu mobiqwik apps have option to get score but scared since financial apps may place an hard query

 

[SSV]

Welcome!
1.21yrs
2.2 HLs and a car loan all with hdfc but closed as of today
3.8 enquiries in 6 months overall total around 15
using gpay for pulling my CIBIL but its 30days once
Know airtel tataneu mobiqwik apps have option to get score but scared since financial apps may place an hard query

I think your 21 years history made the difference and kept your score above 800 consistently..
BTW, you don't need to worry about enquiries at all

 

[Wealth is my birth right!]

I think your 21 years history made the difference and kept your score above 800 consistently..
BTW, you don't need to worry about enquiries at all

Yes exactly
Moreover i sold old car last year and opted car lease scheme with tax savings from my employer so that car loan avoided 😉