Incorrect hard enquiry of loan by ICICI (for credit card)

[pjain2712]

Hello, I had received pre-approved ICICI Sapphiro card last year (Q1 of 2022) as I had salary account with them and it was unconditional LTF so had applied. Card is generated instantly as well but I see the same card limit amount is showing in my CIBIL as Personal Loan, is it expected?
Does it make sense to report this now to ICICI and get it removed or should I ignore as it is old enquiry? Please advise.

 

[mgforce]

I was trying to apply for ICICI Rupay Card in Jan'23 and ICICI did enquiry under Personal Loan.

So - yes, some issues that they are showing Credit Card enquiries as Personal Loan.

Regarding enquiry removal, it is old one and doesn't impact much. But you can still ask them to remove, drop an email. No point putting much efforts here

 

[pjain2712]

I was trying to apply for ICICI Rupay Card in Jan'23 and ICICI did enquiry under Personal Loan.

So - yes, some issues that they are showing Credit Card enquiries as Personal Loan.

Regarding enquiry removal, it is old one and doesn't impact much. But you can still ask them to remove, drop an email. No point putting much efforts here

thanks, will do it. Email id please if you are aware.

 

[Anil_Singh]

I mailed to customer.care@icicibank.com, headcreditcards@icicibank.com, headservicequality@icicibank.com, senior.management@icicibank.com but they are in no mood to even reply since 15+ days.

 

[Bodhi]

I mailed to customer.care@icicibank.com, headcreditcards@icicibank.com, headservicequality@icicibank.com, senior.management@icicibank.com but they are in no mood to even reply since 15+ days.

Hmm....

How do you plan to get them in the "mood" then?

 

[Anil_Singh]

Hmm....

How do you plan to get them in the "mood" then?

Planned to send same email every week. Will try this atleast for 30 days. Then will tag them in Twitter.

 

[Bodhi]

Planned to send same email every week. Will try this atleast for 30 days. Then will tag them in Twitter.

Why wait?
Why not approach the Nodal officer, instead?

 

[Dr Pulkit Sinha]

I faced almost a similar thing. I reached them out on Twitter DM sharing my email ID and phone number. Told them if this doesn’t resolve then I will escalate this to ombudsman. They assured me they will look into this. They also asked my credit report on my email, which I forwarded them. They have told me to wait till 27th as they are analysing this. Let’s see what reply they come up with.

 

[pjain2712]

I faced almost a similar thing. I reached them out on Twitter DM sharing my email ID and phone number. Told them if this doesn’t resolve then I will escalate this to ombudsman. They assured me they will look into this. They also asked my credit report on my email, which I forwarded them. They have told me to wait till 27th as they are analysing this. Let’s see what reply they come up with.

Is it fine to share them credit report which contains all other bank card/loan related info?

 

[Dr Pulkit Sinha]

Is it fine to share them credit report which contains all other bank card/loan related info?

I actually hide my other account details by editing the pdf document.

 

[Bodhi]

I actually hide my other account details by editing the pdf document.

Same here, you can just share the parts of the report that are relevant and necessary. Just try to let the control number be visible for their reference.

Best wishes 👍🏻

 

[StanRoute66]

Hello, I had received pre-approved ICICI Sapphiro card last year (Q1 of 2022) as I had salary account with them and it was unconditional LTF so had applied. Card is generated instantly as well but I see the same card limit amount is showing in my CIBIL as Personal Loan, is it expected?
Does it make sense to report this now to ICICI and get it removed or should I ignore as it is old enquiry? Please advise.

same thing happened with me . You are not alone . I applied for a CC and after rejecting my Application , I received PL enquiry from ICICI Bank .

 

[suhailmz]

ICICI Bank has some problems. Today I opened an online digital savings account and they did a hard enquiry under personal loans. Pathetic. I’m already fighting few enquiries with them from last one month, without any success. Don’t have the energy left :/

 

[Patil007]

Hello, I had received pre-approved ICICI Sapphiro card last year (Q1 of 2022) as I had salary account with them and it was unconditional LTF so had applied. Card is generated instantly as well but I see the same card limit amount is showing in my CIBIL as Personal Loan, is it expected?
Does it make sense to report this now to ICICI and get it removed or should I ignore as it is old enquiry? Please advise.

Yes mail them with continuous follow up. they will say enquiry will be suppressed in 10 days, but I takes time as suggested in this forum.

 

[pjain2712]

Reported to ICICI by dropping email on 25th Feb and no response as of now. Even escalated to headcreditcards@icicibank.com
senior.management@icicibank.com

 

[pjain2712]

Should I go to RBI?

Reported to ICICI by dropping email on 25th Feb and no response as of now. Even escalated to headcreditcards@icicibank.com
senior.management@icicibank.com

 

[Patil007]

Should I go to RBI?

Let 30 days to be completed.

 

[pjain2712]

ICICI is asking for credit report, is it fine to share?

 

[Anil_Singh]

ICICI is asking for credit report, is it fine to share?

Yes. I too had to share. Then only they removed false enquiry. You can hide credit card numbers for security purpose.

 

[pjain2712]

Yes. I too had to share. Then only they removed false enquiry. You can hide credit card numbers for security purpose.

I dont have any tools to edit pdf