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Pre-approved and LTF ICICI RuPay Coral credit card

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iM23

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Just before a month, ICICI offered me first credit card which was pre-approved and LTF. It is HPCL coral credit card. And today I can see they are offering me Rupay Coral credit card pre-approved and LTF. I was surprised to see it. How can they offer another card within one month, that too pre-approved and LTF? Whatever, I want to get it. Should I go for it? And will my current limit will be shared?
 
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I have only 1 rupay CC tata neu. I was getting pre approved offer for LTF ICICI Coral rupay from many months, finally took it today through netbanking.
Already have ICICI AMAZON, SAPPHIRO (MC+AMEX) & PLATINUM.

Wanted 2nd Rupay CC & I have good limit in ICICI Cards,so took it.
 
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i also have ICICi coral rupay credit card and I also completed the spending milestone (spend 2L and get 2000 reward points) last month and wanted to know when will the milestone benefit will get credited?
 
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I closed my previous ICICI CORAL RUPAY credit card because they deducted 500+ GST as annual fee. However ICICI returned my annual fee just after card closure. Now Joining Fee- NIL , Annual Fee- Nil offer is reflecting for Coral Rupay cc in IMobile app & I applied again. Will this card LTF ? Will they hit CIBIL for pre approved offer? When will I get Physical credit card?
 
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Manoj Pant said:
I closed my previous ICICI CORAL RUPAY credit card because they deducted 500+ GST as annual fee. However ICICI returned my annual fee just after card closure. Now Joining Fee- NIL , Annual Fee- Nil offer is reflecting for Coral Rupay cc in IMobile app & I applied again. Will this card LTF ? Will they hit CIBIL for pre approved offer? When will I get Physical credit card?
Click to expand...
If iMobile is showing it as LTF, it will be LTF, don't worry.

And if you already have another ICICI card, then the limit will be shared and no CIBIL hit will happen (at least in my case it didn't happen).
 
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Manoj Pant said:
I closed my previous ICICI CORAL RUPAY credit card because they deducted 500+ GST as annual fee. However ICICI returned my annual fee just after card closure. Now Joining Fee- NIL , Annual Fee- Nil offer is reflecting for Coral Rupay cc in IMobile app & I applied again. Will this card LTF ? Will they hit CIBIL for pre approved offer? When will I get Physical credit card?
Click to expand...
LTF card. No cibil hit.
 
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Two days back I had applied for pre-approved coral rupay ltf, now they have issued two coral rupay cc, any solution for closing one of it as it's an issue from their side. Technically applying for pre-approved coral rupay is possible only once and if tried again it showed " i already have this varient card, kindly choose other varient".
Will it affect cibil score if I close one out of the two newly issued credit card?
 
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ubn said:
Two days back I had applied for pre-approved coral rupay ltf, now they have issued two coral rupay cc, any solution for closing one of it as it's an issue from their side. Technically applying for pre-approved coral rupay is possible only once and if tried again it showed " i already have this varient card, kindly choose other varient".
Will it affect cibil score if I close one out of the two newly issued credit card?
Click to expand...
the first question to ask is will it affect your cibil score, suddenly if 2 new credit cards are added into yr account.
But no, all gemstone cards ll be shown under a single account in cibil (provided u already have a gemstone card)..

also if its issued oly 2 days back it wouldnt have been reported to cibil yet..
 
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fin_avid said:
the first question to ask is will it affect your cibil score, suddenly if 2 new credit cards are added into yr account.
But no, all gemstone cards ll be shown under a single account in cibil (provided u already have a gemstone card)..

also if its issued oly 2 days back it wouldnt have been reported to cibil yet..
Click to expand...
My primary card is Amazon pay and based on that pre-approved coral rupay was offered.
 
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ubn said:
Two days back I had applied for pre-approved coral rupay ltf, now they have issued two coral rupay cc, any solution for closing one of it as it's an issue from their side. Technically applying for pre-approved coral rupay is possible only once and if tried again it showed " i already have this varient card, kindly choose other varient".
Will it affect cibil score if I close one out of the two newly issued credit card?
Click to expand...
No it won’t effect your CIBIL if you close the recently opened card
 
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ubn said:
My primary card is Amazon pay and based on that pre-approved coral rupay was offered.
Click to expand...
Don’t worry. Nothing happens..
Let the dust settle.. update here how many cards you got after a week or two. We will sort out the problem, if any..
You will have two accounts on CIBIL
One for Apay and another for coral card(s)
 
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