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Icici secured platinum card to unsecured coral card

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sarainfo12

sarainfo12

TF Premier
Hi,
Due to my cibil score was NH, (5 years ago my education loan got written off and settled with reliance, no other loans or account ) , my credit card applications got rejected when i tried to apply Amazon pay icici credit card and indusind card .

So created FD (3500rs) and got secured credit card against it on Feb 15 2023.
And also i opened amazon pay later account same month .

Now in my cibil report Amazon pay later account related information showing and cibil score showing 774. But still no info about icici platinum credit card.

I joined in a MNC on Dec 2022 ( before that i was worked on small company) , monthly salary 70k credited regularly from Jan on icici bank account only .

So how long it will take to icici bank offer me unsecured credit card like coral card ?
When will my icici credit card will reflect on cibil report?

Will indusind back approve my credit card if i apply again next month ( i need eazydiner card ?
 
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1. OP has secured ICICI Credit Card, he should use for 6 months at least so that ICICI starts reporting it to CIBIL, it takes times for secured card to get reported.

2. Once ICICI starts reporting to cibil, he should try to get Amazon Pay ICICI card, because of ICICI savings a/c and secured credit card. Most probably he will get it unsecured with a good limit.

3. Upgrade your Amazon Pay ICICI card to coral/MMT card. (You will have now 3 cards, Secured Platinum, Amazon Pay, ICICI MMT).
4. After that close your ICICI Platinum Chip secured card.
 
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pprakash11 said:
1. OP has secured ICICI Credit Card, he should use for 6 months at least so that ICICI starts reporting it to CIBIL, it takes times for secured card to get reported.

2. Once ICICI starts reporting to cibil, he should try to get Amazon Pay ICICI card, because of ICICI savings a/c and secured credit card. Most probably he will get it unsecured with a good limit.

3. Upgrade your Amazon Pay ICICI card to coral/MMT card. (You will have now 3 cards, Secured Platinum, Amazon Pay, ICICI MMT).
4. After that close your ICICI Platinum Chip secured card.
Click to expand...
My salary account conversion request is not completed yet , if i get gold or above salary account i will be eligible for pre approved ltf credit cards right ?
 
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pprakash11 said:
Can't say. Since you have already taken Unsecured CC, it can be difficult for pre-approved system generated unsecured cc offers.
Click to expand...
Just got the mail that my service request is completed . i opened netbanking and checked its still showing account type as savings , but MAB required showing 0.
how to find my salary account type ?
 
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sarainfo12 said:
Just got the mail that my service request is completed . i opened netbanking and checked its still showing account type as savings , but MAB required showing 0.
how to find my salary account type ?
Click to expand...
Yeah, if MAB showing as 0 MAB, they have converted to salary account.
They convert quickly back to savings if salary doesn't gets credited.
 
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pprakash11 said:
Yeah, if MAB showing as 0 MAB, they have converted to salary account.
They convert quickly back to savings if salary doesn't gets credited.
Click to expand...
i am getting salary Rs. 70K+ in this account for last 4 months. so it wont be an issue i think. but i dont know how to check salary account type like silver or gold or titanium.
 
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My account converted to Gold salary account , which means i should be eligible for LTF credit cards . but customer care said currently there is no offer for my account . and also if i want rupay variant coral card , i should visit nearest branch. and currently they can offer only amazon icici credit card.
another confusion is , he said this is different from amazon pay credit card . is there two different amazon credit card ?
 
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Definitely not. Amazon ICICI CC & Amazon Pay ICICI Credit Card, both are same !
sarainfo12 said:
My account converted to Gold salary account , which means i should be eligible for LTF credit cards . but customer care said currently there is no offer for my account . and also if i want rupay variant coral card , i should visit nearest branch. and currently they can offer only amazon icici credit card.
another confusion is , he said this is different from amazon pay credit card . is there two different amazon credit card ?
Click to expand...
 
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