Need input for closing coral credit card and its impact on CIBIL

[Pravas]

Hi Team,

I have a salary account in ICICI bank and holding a PAID coral card from 2012 which is my oldest active card in CIBIL. Three months ago i joined this forum and get to know that they are providing LTF sapphiro card for salary account with 2L+ monthly credit. I followed up on this and got my sapphiro card LTF.

I asked them to convert the existing coral card to LTF but they denied saying already they have provided sapphiro card as LTF.

I am thinking about closing the coral card as in CIBIL i can see both coral and sapphiro are reported as single entry. so closing the coral card should not impact my CIBIL score.
It is not that 500 is a big fee for coral but its a not convenient to maintain the card specifically when i am not using this anymore.

Please share your thoughts on this whether this closer will impact CIBIL ?

 

[SpiesCan'tCatchMe]

Yes core cards are reported as a single card in cibil so closing one of the core cards wont affect the cibil history

 

[Vasuki]

Hi Team,

I have a salary account in ICICI bank and holding a PAID coral card from 2012 which is my oldest active card in CIBIL. Three months ago i joined this forum and get to know that they are providing LTF sapphiro card for salary account with 2L+ monthly credit. I followed up on this and got my sapphiro card LTF.

I asked them to convert the existing coral card to LTF but they denied saying already they have provided sapphiro card as LTF.

I am thinking about closing the coral card as in CIBIL i can see both coral and sapphiro are reported as single entry. so closing the coral card should not impact my CIBIL score.
It is not that 500 is a big fee for coral but its a not convenient to maintain the card specifically when i am not using this anymore.

Please share your thoughts on this whether this closer will impact CIBIL ?

Is it rupay or visa. Maybe try getting rupay ..
Try to coral rupay .

If u keep Traveling with Train where railway lounge are there keep it or else close .
If the limit are shared which one u close and which one u open doesn't matter shows the same..


Mind you these icici are mostly taken to avil 10% discount on shopping which well surpass the fees