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 ?

 

[sarainfo12]

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

i understand , thanks bro.

 

[sarainfo12]

Finally coral credit card got approved. Thanks everyone for all the support .
Special thanks to @saucy and @pprakash11

 

[pprakash11]

Finally coral credit card got approved. Thanks everyone for all the support .
Special thanks to @saucy and @pprakash11

Pleasure bro 😀

 

[saucy]

Finally coral credit card got approved. Thanks everyone for all the support .
Special thanks to @saucy and @pprakash11

Welcome to the club🐲

 

[saucy]

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

No it does not reflect on CIBIL.
Yet i would recommend AGAINST it.
You'll pay extra GST, IGST and stuff.
And the discount you'd get from EMI will come AFTER the whole payment is complete.

And they don't refund GST.
Thus it's called "no cost" and not "free emi"

So a complete payment is better even if it gets some less discount.

 

[sarainfo12]

Welcome to the club🐲

Yep, it's my first unsecured credit card

 

[sarainfo12]

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

i checked his amazon pay , only 200+rs only credited for may month cashback , mobile cost paid was 39600, so it we should get around 1900 cashback since he is prime member right ?

 

[pprakash11]

i checked his amazon pay , only 200+rs only credited for may month cashback , mobile cost paid was 39600, so it we should get around 1900 cashback since he is prime member right ?

Yes. No doubt 1980 should get credited.
Ask ur friend to contact ICICI cc.

 

[sarainfo12]

Yes. No doubt 1980 should get credited.
Ask ur friend to contact ICICI cc.

Is there any scenario where icici apay not giving cashback due to upfront discount ?
Because we got 395rs instant discount.

 

[habibmy]

okay will wait and does the amazon cc will be of different limit or shared with 15k only?
and thanks for your prompt reply.

I received sms that my Amazon Pay ICICI Credit Card is approved and limit will be shared with existing card. Existing card is secured 15k fd card with limit of 13.5k. But iMobile aap is showing Amazon Pay card limit is 3L+. It got approved yesterday and started showing in iMobile app today.

 

[Moulidharan]

can some one answer this please ?

No.There is a Max transaction limit per transaction.So that limit will be your Credit limit.It won't increase if you pay 10k.

If you add 10k,you can spend only upto 30k in one transaction.You can use that 10k in another transaction.

Which means,in one transaction,you do only upto your credit limit which is 30k