nirjharr
TF Buzz
Wanted to share my latest credit limit upgrade journey with ICICI – it’s been quite the process.
I’ve got two ICICI cards:
• Amazon Pay ICICI LTF (Holding since 2022)
• Sapphiro Visa LTF (Issued under corporate scheme 2 months back)
Been using them since 2022, maintained solid repayments, and kept my utilization healthy. Yet every time I request a limit increase, ICICI replied that no offer is available at the moment.
Finally, I decided to ask for a manual LE and emailed headservicequality@icicibank.com.
In short, I wrote that:
• I’ve had a 5L combined limit for over a year.
• Provided income documents supporting increase in salary since card issuance.
• I have also pointed out the fact that I used to have my salary account with ICICI but due to lack for service and offers I have recently moved my salary account away and I am planning to move out of ICICI with respect to cards as well due to poor offers and no limit upgrades.
• If there’s no pre-approved offer, please escalate internally.
The initial reply said : "Sapphiro was issued in less than 3 months so no limit enhancement can be taken".
I asked for a LE on my Amazon Pay card which was around 3 years old.
After this the limit on Amazon Pay card was increased to 7L but the Sapphiro stayed at 5L.
After this I received an email from ICICI which said:
I thought let me try an approach 😛, I replied:
To my surprise I check today and both my cards are now sitting at 7.5L.
Thought about sharing, see if someone else can use the pointers.
I’ve got two ICICI cards:
• Amazon Pay ICICI LTF (Holding since 2022)
• Sapphiro Visa LTF (Issued under corporate scheme 2 months back)
Been using them since 2022, maintained solid repayments, and kept my utilization healthy. Yet every time I request a limit increase, ICICI replied that no offer is available at the moment.
Finally, I decided to ask for a manual LE and emailed headservicequality@icicibank.com.
In short, I wrote that:
• I’ve had a 5L combined limit for over a year.
• Provided income documents supporting increase in salary since card issuance.
• I have also pointed out the fact that I used to have my salary account with ICICI but due to lack for service and offers I have recently moved my salary account away and I am planning to move out of ICICI with respect to cards as well due to poor offers and no limit upgrades.
• If there’s no pre-approved offer, please escalate internally.
The initial reply said : "Sapphiro was issued in less than 3 months so no limit enhancement can be taken".
I asked for a LE on my Amazon Pay card which was around 3 years old.
After this the limit on Amazon Pay card was increased to 7L but the Sapphiro stayed at 5L.
After this I received an email from ICICI which said:
I thought let me try an approach 😛, I replied:
To my surprise I check today and both my cards are now sitting at 7.5L.
Thought about sharing, see if someone else can use the pointers.
