Is ICICI merged credit limit show as different accounts in cibil?

[Das.N]

I want to apply ICICI expression/mmt credit card in the basis of my Amazon Pay card. But from different sources I have came to know that, the limit will be merged. Now, my question is: Are two credit cards from ICICI reported separately in cibil? I mean My current limit of Amazon Pay is 2.5L. After getting Mmt/expression, will they report 2.5+2.5 total 5L in cibil report?
That's what I am worried about. Because my monthly income is approx 60k and have a current combined limit of 10L+. I don't want any more credit exposure according to my earnings. Thanks in advance.

 

[Gaurav Goel]

Hi, yes i have an Amazon Pay 4.7 lac limit, got I got an MMT card as well with the same limit. Although the limit is merged, it will be shown as two accounts CIBIL. I also had an expression card, till the time i closed it. It showed 3 card accounts from ICICI with 4.7 Lac limit each.

 

[Das.N]

Hi, yes i have an Amazon Pay 4.7 lac limit, got I got an MMT card as well with the same limit. Although the limit is merged, it will be shown as two accounts CIBIL. I also had an expression card, till the time i closed it. It showed 3 card accounts from ICICI with 4.7 Lac limit each.

Thanks for clearing my doubts.

 

[avis_]

I want to apply ICICI expression/mmt credit card in the basis of my Amazon Pay card. But from different sources I have came to know that, the limit will be merged. Now, my question is: Are two credit cards from ICICI reported separately in cibil? I mean My current limit of Amazon Pay is 2.5L. After getting Mmt/expression, will they report 2.5+2.5 total 5L in cibil report?
That's what I am worried about. Because my monthly income is approx 60k and have a current combined limit of 10L+. I don't want any more credit exposure according to my earnings. Thanks in advance.

Does more credit exposure have any negative impact on CIBIL. Cause I have three cards from HDFC sharing the limit. And two from ICICI sharing the limit.

But my CIBIL keeps improving owing to low utilisation.

 

[Das.N]

Does more credit exposure have any negative impact on CIBIL. Cause I have three cards from HDFC sharing the limit. And two from ICICI sharing the limit.

But my CIBIL keeps improving owing to low utilisation.

No it doesn't have any negative effect on cibil. But with high credit exposure some banks may reject your new card request or offer you a lower credit limit.