Icici secured platinum card to unsecured coral card

[sarainfo12]

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 ?

 

[Card_Crafter]

my secured card credit limit is 30K , if i click pay bill button and pay 10K means , will my credit limit increased to 40K temporarily and can i purchase a product worth of 39K?

Check whether the product is available in Flipkart. If it's available then buy a 10k gift voucher and pay the remaining amount by Card.

 

[sarainfo12]

Check whether the product is available in Flipkart. If it's available then buy a 10k gift voucher and pay the remaining amount by Card.

I wanna buy 1plus 11R , which will be available for sale on Amazon with icici bank card discount.
The cost of the mobile is 40k, but my card limit is only 31.5k ,
I don't know the offer will work or not if i pay partially on Amazon gift card.

One of my friend have icici coral , will use his card if mine don't work ...
But like i said before it's feeling frustrated when we can't use our card and not having unsecured card even though we have 15L of deposit with icici Bank.

 

[pprakash11]

I wanna buy 1plus 11R , which will be available for sale on Amazon with icici bank card discount.
The cost of the mobile is 40k, but my card limit is only 31.5k ,
I don't know the offer will work or not if i pay partially on Amazon gift card.

One of my friend have icici coral , will use his card if mine don't work ...
But like i said before it's feeling frustrated when we can't use our card and not having unsecured card even though we have 15L of deposit with icici Bank.

Read T&C of One Plus 11R.
There's a term minimum amount to be spent by ICICI to get the Instant discount. Suppose 30k should be Minimum spent by card.
Then you can purchase 10k of AGC using any other card
And pay remaining 30k using ICICI also get IBD using icici

Aim fulfilled

 

[sarainfo12]

Read T&C of One Plus 11R.
There's a term minimum amount to be spent by ICICI to get the Instant discount. Suppose 30k should be Minimum spent by card.
Then you can purchase 10k of AGC using any other card
And pay remaining 30k using ICICI also get IBD using icici

Aim fulfilled

will check on that once sale starts, she planning to do exchange also. if discount and exchange discount both value is above 8.5k then it will be nice.

 

[pprakash11]

will check on that once sale starts, she planning to do exchange also. if discount and exchange discount both value is above 8.5k then it will be nice.

Yeah read T&C because after exchange certain amount of value has to be paid by ICICI cc to get IBD too, else IBD will not be applied.

 

[sarainfo12]

Yeah read T&C because after exchange certain amount of value has to be paid by ICICI cc to get IBD too, else IBD will not be applied.

If i go for no cost emi , will it show separately on cibil ?

 

[pprakash11]

If i go for no cost emi , will it show separately on cibil ?

@Chaitanya-a any experience of EMI ?
I haven't financed EMI never🥲

 

[Chaitanya-a]

@Chaitanya-a any experience of EMI ?
I haven't financed EMI never🥲

I searched it on internet and found out that it isn't reported seperately to CIBIL but our score gets dropped significantly because of blocked amount in the card.

 

[sarainfo12]

Looking for that option because i am seeing additional 250 discount on emi option. Which is giving additional discount and also solve my limit issue.

Or better use apay icici credit card since 5% cashback is higher than this 1250 discount?
Note : Another friend having apay credit card , i don't have any .

 

[pprakash11]

Looking for that option because i am seeing additional 250 discount on emi option. Which is giving additional discount and also solve my limit issue.

Or better use apay icici credit card since 5% cashback is higher than this 1250 discount?
Note : Another friend having apay credit card , i don't have any .

Don't fall in trap for ₹250 extra discount with EMI, you will end up paying EMI Processing charges, and interest.

Go for full payment, in rare scenarios if needed go for emi.

Btw T&C launched of your OnePlus phone ?

 

[sarainfo12]

Don't fall in trap for ₹250 extra discount with EMI, you will end up paying EMI Processing charges, and interest.

Go for full payment, in rare scenarios if needed go for emi.

Btw T&C launched of your OnePlus phone ?

It will be available at 12:00 at prime members,
No cost emi for 3 months and 6 months
And processing fee 199+GST ,
At end it will be same ,
Will go for emi only if my limit is not enough and apay icici cashback is less than this .

 

[sarainfo12]

Don't fall in trap for ₹250 extra discount with EMI, you will end up paying EMI Processing charges, and interest.

Go for full payment, in rare scenarios if needed go for emi.

Btw T&C launched of your OnePlus phone ?

placed order using my Friend's amazon pay credit card , got 395 instant discount and will get cashback around 1900+ on his account hopefully which i will use for some purchase or Giftcard.
and planning to pay that amount by paying his CC bill using HDFC bill pay where i can get further cashback of around 300+.

when will the cashback get credit on his account ?

 

[pprakash11]

placed order using my Friend's amazon pay credit card , got 395 instant discount and will get cashback around 1900+ on his account hopefully which i will use for some purchase or Giftcard.
and planning to pay that amount by paying his CC bill using HDFC bill pay where i can get further cashback of around 300+.

when will the cashback get credit on his account ?

Post bill generation.
If bill date is 20th of every month, cashback gets credited to amazon pay wallet on 21st.

 

[sarainfo12]

Post bill generation.
If bill date is 20th of every month, cashback gets credited to amazon pay wallet on 21st.

Thanks

 

[sarainfo12]

If your secured ICICI CC has started updating in CIBIL, try for Amazon Pay ICICI credit card using the same mobile & email as of your ICICI bank a/c & secured platinum chip cc.
High chances are there you will get APAY.

After you get Apay, you can close your icici secured cc and release fd from lien.

Try this.

how long it will take to get status of CC application on email ?
as i said before , customer care call back said my application got rejected (this happened on Monday).
but next day the agent person called me and said card not rejected , it came back to her for rework will send to credit team again after correction .
but so far there is no email updates yet.
Video kyc done last week friday itself and cibil hit also happened.
yesterday i tried to call the agent but call got rejected.

 

[pprakash11]

how long it will take to get status of CC application on email ?
as i said before , customer care call back said my application got rejected (this happened on Monday).
but next day the agent person called me and said card not rejected , it came back to her for rework will send to credit team again after correction .
but so far there is no email updates yet.
Video kyc done last week friday itself and cibil hit also happened.
yesterday i tried to call the agent but call got rejected.

What's showing in Amazon app?

To know exact status

 

[sarainfo12]

What's showing in Amazon app?

To know exact status

its not amazon card.

Quick recap.
i got secured card on feb because my amazon pay card rejected due to insufficient credit history ( as of feb , it was NH, and also old education loan had written off status ). then after opening amazon pay later account on feb it started to showing credit score now it is 783.
recently my account upgraded to gold salary account . so i went to nearby branch and asked LTF credit card based on my income profile and salary account eligibility . i forwarded my profile to her.
then contacted her credit card person then she applied for Coral card . there i completed video kyc and cibil got hit on 28th april.
then only other things happened as my previous reply.

 

[pprakash11]

Got it. Try contacting that cc agent once again and get the status from her.
Also, if she has processed and fwded towards, may be it could also be possible customer care words can change.

Call customer care as well, get that status as well.

Btw, for 1st question rejection email can come anytime between 1 week to 1 month (1 month was my case of AU).

its not amazon card.

Quick recap.
i got secured card on feb because my amazon pay card rejected due to insufficient credit history ( as of feb , it was NH, and also old education loan had written off status ). then after opening amazon pay later account on feb it started to showing credit score now it is 783.
recently my account upgraded to gold salary account . so i went to nearby branch and asked LTF credit card based on my income profile and salary account eligibility . i forwarded my profile to her.
then contacted her credit card person then she applied for Coral card . there i completed video kyc and cibil got hit on 28th april.
then only other things happened as my previous reply.

 

[sarainfo12]

Got it. Try contacting that cc agent once again and get the status from her.
Also, if she has processed and fwded towards, may be it could also be possible customer care words can change.

Call customer care as well, get that status as well.

Btw, for 1st question rejection email can come anytime between 1 week to 1 month (1 month was my case of AU).

ok got it , will try to contact her tomorrow , since its been a week .
will they reveal exact reason for rejection, if rejected ?

 

[pprakash11]

ok got it , will try to contact her tomorrow , since its been a week .
will they reveal exact reason for rejection, if rejected ?

They should reveal, but they don't.
Shady reasons one after the other.