Pre Approved offer criteria - What to do

[roshan mothukuri]

I am trying to get pre-approved credit cards from ICICI or HDFC. For this purpose, I can deploy 8-9L for a long period. And before anyone says I am losing money, I cannot invest it; need it in liquid form for use when needed.

I will be joining a company in June, which allows me to get Coral LTF via the ICICI Company-based credit card website. So now, I am not sure if I should keep that money in ICICI or not.

Monthly spends of 2L on average on the lower side; sometimes goes upto 5L.


Background-
HDFC - Digisave AC
ICICI - 0 MAB
Current ITR - 7L approx

Credit cards from Axis - 2.78L, HDFC(Closed) - 20k, SBI - 80k, Indian Bank - 5L, PNB - 70k, Onecard - 5.5L, Yes Bank - 1L
Credit score - 770 Cibil, 790 Experian, 760 Crif

Thanks in advance

how did u got indian bank cc
can u pls share ur experience in short...

 

[damn]

how did u got indian bank cc
can u pls share ur experience in short...

Had an old account with them; cannot confirm how old it was
Was just looking around the app and saw an option to apply for credit card
Enter mobile number/account number and pressed next
It showed me that I was eligible for a credit card with limit upto 5L; I could select any limit from 0 to 5L
I selected 5L, and then card variant selection was shown
Selected Rupay select, gave an otp, and they sent a confirmation email
Within 2 weeks, it was delivered

Some steps might be mixed/incorrect as it has been almost an year since I got the card, so my apologies in advance for any incorrect information

Did not maintain any balance in account; had to pay non-maintenance charges

So yeah