Query on CIBIL score impact - Credit card upgrades

[dhshankar]

Can anyone help me to understand , how the CIBIL score impacted - if there is any upgrade on existing card which is older ( like 10 years)

-> Will the bank close the current credit account (reported in CIBIL) and issue new credit card(upgraded) on new account (which reported as new account in CIBIL), and this impacts credit score due to closure of old account

(OR)

-> Will the bank issue upgraded credit card on the same old account (reported in CIBIL) , so there is no change in account reported in CIBIL, so CIBIL score wont get changed

 

[ujjawal]

For Icici it will be old account only so all the credit history of 10 years will be there

 

[CMGCMG is verified member.]

for axis bank, same account in cibil when upgraded

 

[dhshankar]

For Icici it will be old account only so all the credit history of 10 years will be there

When I called ICICI agent today, he mentioned that the upgrade is something they will completely close the old card and issue the required card (upgraded version) as a new sourcing .. this means that old account in CIBIL gets closed ,right ?

 

[ujjawal]

When I called ICICI agent today, he mentioned that the upgrade is something they will completely close the old card and issue the required card (upgraded version) as a new sourcing .. this means that old account in CIBIL gets closed ,right ?

Icici reports account number to Cibil and not card number. I had platinum card for 6 months and then upgraded to coral(platinum was closed automatically), account number didn't change and history was also there.
This is my experience with icici upgrade, you can send email to customer and take confirmation over email.
You can also DM icici bank on twitter, they will get back to you with proper answer.