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If card is cancelled on Account level will it show in CIBIL?

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LordPSN

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Just had a call with ICICI support and they told me that if we cancel your card at account level, it will not be reflected in CIBIL.
I already have APay card. I applied for expression based on APay and asked them that I want to withdraw the expression application. Got it in written that upgradation request is cancelled still Expression was issued.
I know that if the card is deactivated (new card not used with 30 days of issuance), it will still show in CIBIL.
I dont want the card to show in CIBIL.
Thats why the question..
If the executive cancels the card on account level, will it show in CIBIL?
 
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Solution
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There are two types of cancellation in ICICI:
1. Account Level
2. Card Level

Let me explain with an example having 3 cards- Amazon Pay ICICI, ICICI Coral, ICICI Rubyx.
For these three cards, ICICI will generate two accounts in CIBIL- one for Apay, and the other one for Coral & Rubyx (combined, bcz they are same category gemstone cards).

1. If you cancel only ICICI coral / only ICICI Rubyx it will be treated as a card level cancellation, since ICICI in that CC account is still alive, it will continue to get reported in CIBIL. (Card Level Cancellation)

2. If you cancel both Coral & Rubyx, it will be treated as an account level Cancellation, And ICICI is deemed to report to CIBIL That this account is closed dated xx-xx-xxxx.

3. If you...
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There are two types of cancellation in ICICI:
1. Account Level
2. Card Level

Let me explain with an example having 3 cards- Amazon Pay ICICI, ICICI Coral, ICICI Rubyx.
For these three cards, ICICI will generate two accounts in CIBIL- one for Apay, and the other one for Coral & Rubyx (combined, bcz they are same category gemstone cards).

1. If you cancel only ICICI coral / only ICICI Rubyx it will be treated as a card level cancellation, since ICICI in that CC account is still alive, it will continue to get reported in CIBIL. (Card Level Cancellation)

2. If you cancel both Coral & Rubyx, it will be treated as an account level Cancellation, And ICICI is deemed to report to CIBIL That this account is closed dated xx-xx-xxxx.

3. If you cancel Apay, bcz Apay is a different category card, it will get cancelled (account level) and corresponding closure status will be updated in CIBIL.

I hope it clarifies, so since your Expression card is cancelled and there is no other gemstone series card issued to you your account even if get added in CIBIL it will get closed by ICICI in upcoming quarter.

I hope this helps.
 
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Solution
So which one will affect CIBIL score and history more?
As mentioned they have given in written 2 days ago that based on my request, they have cancelled my upgrade request of APay to Expression but on the same date, later at night, my expression was issued.
Today, via twitter, they called me and said if you give us permission, on account level, we will close your Expression at priority basis so that it doesn't reflect on CIBIL. This is the 1st time I heard this so asked them to wait.
pprakash11 said:
There are two types of cancellation in ICICI:
1. Account Level
2. Card Level

Let me explain with an example having 3 cards- Amazon Pay ICICI, ICICI Coral, ICICI Rubyx.
For these three cards, ICICI will generate two accounts in CIBIL- one for Apay, and the other one for Coral & Rubyx (combined, bcz they are same category gemstone cards).

1. If you cancel only ICICI coral / only ICICI Rubyx it will be treated as a card level cancellation, since ICICI in that CC account is still alive, it will continue to get reported in CIBIL. (Card Level Cancellation)

2. If you cancel both Coral & Rubyx, it will be treated as an account level Cancellation, And ICICI is deemed to report to CIBIL That this account is closed dated xx-xx-xxxx.

3. If you cancel Apay, bcz Apay is a different category card, it will get cancelled (account level) and corresponding closure status will be updated in CIBIL.

I hope it clarifies, so since your Expression card is cancelled and there is no other gemstone series card issued to you your account even if get added in CIBIL it will get closed by ICICI in upcoming quarter.

I hope this helps.
Click to expand...
 
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LordPSN said:
So which one will affect CIBIL score and history more?
Click to expand...
Nothing will get affected much.
LordPSN said:
As mentioned they have given in written 2 days ago that based on my request, they have cancelled my upgrade request of APay to Expression but on the same date, later at night, my expression was issued.
Click to expand...
For such small duration card requests and cancellation, minor drops of 2-3 points may get observed. Nothing more, i guess.
LordPSN said:
Today, via twitter, they called me and said if you give us permission, on account level, we will close your Expression at priority basis so that it doesn't reflect on CIBIL. This is the 1st time I heard this so asked them to wait.
Click to expand...
Yes. Give them account level cancellation request and then it will be cancelled. Also please remind them not to cancel your apay, else in confusion mishap will get happen. Only expression should be cancelled.
 
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pprakash11 said:
Nothing will get affected much.

For such small duration card requests and cancellation, minor drops of 2-3 points may get observed. Nothing more, i guess.

Yes. Give them account level cancellation request and then it will be cancelled. Also please remind them not to cancel your apay, else in confusion mishap will get happen. Only expression should be cancelled.
Click to expand...
By the way, expression and platinum LTF both are same category?
 
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pprakash11 said:
Will do the job
Click to expand...
Hi - my Sapphiro Alumnus programme application is being processed - hoping it goes through. So this Sapphiro will flow into a different "account" from Platinum, right? So they are going to be completely independent?

One more thing - will it be possible to "transfer" limit when closing one card?
 
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srikant said:
Hi - my Sapphiro Alumnus programme application is being processed - hoping it goes through. So this Sapphiro will flow into a different "account" from Platinum, right? So they are going to be completely independent?
Click to expand...
Both will be same only. Same account for both platinum and Sapphiro.
srikant said:
One more thing - will it be possible to "transfer" limit when closing one card?
Click to expand...
ICICI doesn't have a separate limit option. They work on maimum aggregate limit. Even if closed one platinum one, the same limit will remain on your Sapphiro one.
 
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I have 2 icici cards apay and platinum, 2 accounts reflecting in CIBIL. I need one more card but didn't apply thinking one more account will be created in CIBIL. If I apply mmt platinum will it be part of existing account or new account will be reported. @pprakash11
 
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