LTF Sapphiro - Blunder and then LTF

[ilovecreditcards]

Recently with the LTF offer for alumni for certain colleges, I applied for ICICI Sapphiro on their alumni page.

A couple of days later, I received a call from the bank and the representative processed my application for Sapphiro.

I received the card, and a couple of days later, BOOM, an annual fee of around ₹7000 was charged. I called the representative and wrote multiple emails, however, there was no closure. They said the representative had communicated the annual fees to me.

After I dropped an email to the Nodal Officer, I received a call from the nodal bank officer.

Turned out, what I wasn't aware of was that this was a marketing call unrelated to my alumni application. The representative sent me the card details including an Annual Fee of ₹7000 on WhatsApp which I hadn't noticed.

I told the nodal officer that I wasn't aware of this, and if it is so, then please cancel the card and give me a one-time waiver. I haven't used it as such.

The nodal officer was kind enough, he asked me to make the payment, and raise a refund request. Subsequently, he also mentioned that he'll process a LTF Sapphiro for me with his credentials.

My Blunder but I will give ICICI 10/10 here for customer service and satisfaction. Compared to Axis where there is absolutely no clarity and response on what bomb they will drop next.

 

[kuchbhi]

Its just that
sometimes you are lucky enough for things to go your way!
Hope you recorded the call as a security measure.
Enjoyyy

 

[harsh_ujjwal]

Sapphiro still worth after massive devaluation?? According to ICICI it's premium card. I think nth premium except it's fees😢

 

[kuchbhi]

Sapphiro still worth after massive devaluation?? According to ICICI it's premium card. I think nth premium except it's fees😢

its just for 10% discount and bank offers +LTF only 🙂

 

[harsh_ujjwal]

its just for 10% discount and bank offers +LTF only 🙂

Recently I received it. Whether to activate or nt?? I have Rubyx LTF. Cx care guy called me & took my consent and sent me this card. I have not opened packaging yet. In dilemma what to do?? They said it's FYF.

 

[kuchbhi]

Recently I received it. Whether to activate or nt?? I have Rubyx LTF. Cx care guy called me & took my consent and sent me this card. I have not opened packaging yet. In dilemma what to do?? They said it's FYF.

if its fyf
its purely your opinion to use it one year and close / make LTF thru retention team
or you may simply let it expire if you have rubyx not much worth

 

[kuchbhi]

Recently I received it. Whether to activate or nt?? I have Rubyx LTF. Cx care guy called me & took my consent and sent me this card. I have not opened packaging yet. In dilemma what to do?? They said it's FYF.

you can atleast open packaging and see card no charge for it haha!

 

[harsh_ujjwal]

if its fyf
its purely your opinion to use it one year and close / make LTF thru retention team
or you may simply let it expire if you have rubyx not much worth

If I activate & close it later I mean before renewal all my gemstone collection will remain intact??
Secondly if i don't activate it will it have -ve effect on my credit score??

 

[kuchbhi]

If I activate & close it later I mean before renewal all my gemstone collection will remain intact??
Secondly if i don't activate it will it have -ve effect on my credit score??

it will not be reported to credit bureaus until to activate it
gemstone collection do you mean your other rubyx/coral cards?

 

[harsh_ujjwal]

it will not be reported to credit bureaus until to activate it
gemstone collection do you mean your other rubyx/coral cards?

Yeah Coral, Rubyx.

 

[kuchbhi]

Yeah Coral, Rubyx.

yeah i guess you can process the only closure of sapphiro but please confirm this from cust care
m not too sure

 

[harsh_ujjwal]

yeah i guess you can process the only closure of sapphiro but please confirm this from cust care
m not too sure

Bcz all gemstone collection cards are clubbed into one a/c. That's y I m confused what to do

 

[kuchbhi]

Bcz all gemstone collection cards are clubbed into one a/c. That's y I m confused what to do

ikr just confirm with cc once

 

[ilovecreditcards]

Bcz all gemstone collection cards are clubbed into one a/c. That's y I m confused what to do

All are closed IMO. So be careful. If it is only FYF, I would avoid Sapphiro.

I've only kept it for the BMS offer.

 

[ilovecreditcards]

Its just that
sometimes you are lucky enough for things to go your way!
Hope you recorded the call as a security measure.
Enjoyyy

I use an iPhone :|
This call was before the iPhone update of voice recording. But yeah, received the refund and the LTF Sapphiro as well. Been over 2 months and haven't been charged yet so I guess I am safe.

 

[kuchbhi]

I use an iPhone :|
This call was before the iPhone update of voice recording. But yeah, received the refund and the LTF Sapphiro as well. Been over 2 months and haven't been charged yet so I guess I am safe.

Android lelo bro 🌚

 

[harsh_ujjwal]

you can atleast open packaging and see card no charge for it haha!

Yeah i will do that😂 I am out of station once I reach home I ll do that

 

[harsh_ujjwal]

All are closed IMO. So be careful. If it is only FYF, I would avoid Sapphiro.

I've only kept it for the BMS offer.

Then I won't take risk of activating it.

 

[Tonymathew]

Yeah Coral, Rubyx.

Bcz all gemstone collection cards are clubbed into one a/c. That's y I m confused what to do

Other gemstones would not be affected, if you want to keep the others

Just mail the last 4 digits of the card that you want to close. Others would remain intact. Have done that in the last, had to drop one of my 2 corals, to get a rubyx.

Then had closed paid saphhiro, and kept the rubyx and one coral again.

So would not be affected

 

[gobsy]

Agent called me to upgrade my coral rupay to saphirro dual variant fyf. When I contacted customer care email they replied annual fee of 3500+gst will be charged but no joining fee. So I didn't activate and replied to the mail asking them to close the card or make it fyf. Still haven't received any response from them yet lol. Bar HDFC I think they have the worst run cc department alongwith SBI. Misselling stuff. Also they debited 340 reward points for a refund from Amazon on my Amazon pay credit card in May 2023. In the meanwhile I had countless discussion over phones and mails and also raised two complaints to rbi ombusman and received no resolution.