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Pre-Approved LTF Rubyx Credit Card
- Thread starter sumitkr85
- Start date
I think this is the perfect time for you to negotiate with Emeralde, off course depends on your choice.
Once you take Sapphiro then nobody would be interested in giving Emeralde to you for sure.
P:S:- Please note that Emeralde is meant to be issued with Wealth Management account only. Sapphiro is a very downgraded version when comparable to Emeralde.
Last edited:
Yeah I do agree with you on the last point.
However, please note that in proper Urban Setup you have the number of Wealth Account on the higher side so as revenue as well. Therefore, to take 10,000+GST would not be a huge barden for a BM however, on the rural side it's just reverse.
So, it's a typical condition which actually can't be predicted & varies case by case.
In my opinion take 25L cheque in hand and negotiate with BM. Definitely it should work. PAISE MEIN BAHUT TAKAT HAI BHAI..!!
Souvik
TF Premier
Yes, money is next to almighty 😆
But our friend has already given that cheque to ICICI, so its not about a new account rather an existing acocunt.
I did not give any check for 25 Lacs.. ICICI is also investment account for the last 10 yrs, after which I was upgraded to wealth account
Souvik
TF Premier
Sure, so the point is that its an existing account which has less power to negotiate unlike a new account opening.
@anirbanm @Souvik it looks we are pressurizing him(May be directly or indirectly) to not take the Sapphiro 😄😄 😄 😄 😄
@sumitkr85 you can always take Sapphiro but just because of the Wealth Account everybody is suggesting you to go for Emeralde which is meant to be for Wealth Account only.
@sumitkr85 you can always take Sapphiro but just because of the Wealth Account everybody is suggesting you to go for Emeralde which is meant to be for Wealth Account only.
Batmanbaba
TF Legend
He can take both.... If he have 1 card... It will be much easier in pushing.... By threatening to cancel the sapphiro card too
Boss for business there is 2 things:-
1. Get new business(In this case new accounts)
2. Retain existing Customers(will serve as a source of revenue for a longer period of time)
So as a BM which one you will give up easily if the account status is not downgraded.
The card was issued within 10 mins of applying and is already available for online spending... I will think of Emeralde when I am back in Bangalore and talk BM for an upgrade. Email and phone conversation is significantly less help. For now, I need an ICICI card for online discounts.
Since this is a Pre-Approved card therefore it has to be activated in 15 minutes.
Congratulations by the way!!!!
I went to ICICI branch today to upgrade my Gold salary account to ONE Titanium.
I did tell that RM that I'll go with Wealth Management account but I need Emeralde without that it's a NO but I want you to give me Emeralde on my salary account.
He asked for my offer letter and called someone and after the call he mentioned that they can give Rubyx as LTF, for Emeralde they will check and confirm
Should I wait? or push for Sapphiro?
PS: He also went to branch manager to talk since I mentioned wealth management and Emeralde as LTF.
What are the chances?
Also, I don't intend to open Wealth management since I've an account in HDFC.
I did tell that RM that I'll go with Wealth Management account but I need Emeralde without that it's a NO but I want you to give me Emeralde on my salary account.
He asked for my offer letter and called someone and after the call he mentioned that they can give Rubyx as LTF, for Emeralde they will check and confirm
Should I wait? or push for Sapphiro?
PS: He also went to branch manager to talk since I mentioned wealth management and Emeralde as LTF.
What are the chances?
Also, I don't intend to open Wealth management since I've an account in HDFC.
Souvik
TF Premier
Good to know that youve tried it, keep us posted
Straight up rejected
BUT
RM who is responsible for my savings account told me that team looked at everything, your existing history with us and transactions and Coral card usage and they could have given Sapphiro as LTF if I would have used it more.
Emeralde is straightforward rejection but I am not sure if they would have considered Emeralde if I spent more from Coral.
Current update:
I got none. Waiting for atleast Sapphiro
BUT
RM who is responsible for my savings account told me that team looked at everything, your existing history with us and transactions and Coral card usage and they could have given Sapphiro as LTF if I would have used it more.
Emeralde is straightforward rejection but I am not sure if they would have considered Emeralde if I spent more from Coral.
Current update:
I got none. Waiting for atleast Sapphiro
Agreed for Sapphiro?
Nope
What do I do?
Should I open Wealth? or can I get it as is?
Should I open Wealth? or can I get it as is?
don't open wealth just for credit card.. does not make sense.. upgrade to wealth only if ur investments in ICICI is over 25 lacs
Nope they are not
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