Regarding closure of credit card

[chandra.prakash]

Good morning

Currently I have
Icici amazon pay ltf
Icici coral ltf
Icici mmt signature ltf (1st card)
Icici saphiro dual (Fyf)

Recently I have mail to icici for convert saphiro to ltf.

So what can I do if they denied to convert saphiro to ltf.

No more spending with icici.

Please share suggestions 🙏

 

[VasukiVasuki is verified member.]

Good morning

Currently I have
Icici amazon pay ltf
Icici coral ltf
Icici mmt signature ltf (1st card)
Icici saphiro dual (Fyf)

Recently I have mail to icici for convert saphiro to ltf.

So what can I do if they denied to convert saphiro to ltf.

No more spending with icici.

Please share suggestions 🙏

Suggestion will be given if you asking for anything
Your are already clear about your choices and everybody will second that
Why would any pay for card with 5k fees & 1-2 % reward

About spending it or not on icici cards it's your choice 😁

 

[Shubham330Shubham330 is verified member.]

M

Good morning

Currently I have
Icici amazon pay ltf
Icici coral ltf
Icici mmt signature ltf (1st card)
Icici saphiro dual (Fyf)

Recently I have mail to icici for convert saphiro to ltf.

So what can I do if they denied to convert saphiro to ltf.

No more spending with icici.

Please share suggestions 🙏

my Suggestion would be close
Coral and sapphiro for now.

Keep apay as it's rewarding
Mmt and its your 1st cc
And get rubyx/sapphiro ltf later and keep upgrading if given LTF offers.

 

[VasukiVasuki is verified member.]

M

my Suggestion would be close
Coral and sapphiro for now.

Keep apay as it's rewarding
Mmt and its your 1st cc
And get rubyx/sapphiro ltf later and keep upgrading if given LTF offers.

Why close already ltf card 🤔

 

[Shubham330Shubham330 is verified member.]

Why close already ltf Card

Coral is useless.
And icici shows every card saperate in cibil
So it will show over leverage in future.

So better to keep cards if have saperste limit
Or only the one on top if got shared limit.
(This opinion differs on op usage patterns and needs)


Would have advised to close mmt as well and just keep 1cc along with apay.

But always keep 1st cc active thats my learning

 

[VasukiVasuki is verified member.]

Coral is useless.
And icici shows every card saperate in cibil
So it will show over leverage in future.

So better to keep cards if have saperste limit
Or only the one on top if got shared limit.
(This opinion differs on op usage patterns and needs)


Would have advised to close mmt as well and just keep 1cc along with apay.

But always keep 1st cc active thats my learning

Coral gives u 2 railway lounge
It's upi
MMT old one might be trash
New one is Oki with 1 % on rupay transaction too

 

[Shubham330Shubham330 is verified member.]

Coral gives u 2 railway lounge
It's upi
MMT old one might be trash
New one is Oki with 1 % on rupay transaction too

Ya. Thats on op
Is railway lounge required for him or not.


Now icici with rupay available with every card
Coral/Rubyx/sapphiro

In that case So he can close all except apay and get rubyx ltf or sapphiro ltf over coral for better benefits through offline channel to avoid cool off

 

[helloworld]

Coral is useless.
And icici shows every card saperate in cibil
So it will show over leverage in future.

all gemstone under 1 account only in cibil.

Thread 'Impact of Holding Multiple Credit Cards from One Bank on Your CIBIL Report'

Sep 23, 2022

Bank​	Number of Accounts in CIBIL​	UPI Cards in CIBIL​
AMEX	Each card has 1 account	-
AU	Each card has 1 account (currently only 1 card allowed)	Each card has 1 account
AXIS	Each card has 1 account*	Each card has 1 account
BOB	Each card has 1 account	Each card has 1 account
FEDERAL	Each card has 1 account (currently only 1 card...

• helloworld
• Replies: 61
• Forum: Credit Card - General

• 

 

[helloworld]

For me icici shown 3 for 3 gemestone.

Also hdfc does not show 1.

So some of that data either old or needs correction

unless you hold..

coral, emeralde, emaralde private.

personally for me itself with platinum, coral, rubyx, sapphiro all under 1 account.

apy another account.

each co-brand has separate account.

 

[Shubham330Shubham330 is verified member.]

unless you hold..

coral, emeralde, emaralde private.

personally for me itself with platinum, coral, rubyx, sapphiro all under 1 account.

apy another account.

each co-brand has separate account.

Yes. Read it carefully now. Deleted my comment.

 

[chandra.prakash]

B

Coral gives u 2 railway lounge
It's upi
MMT old one might be trash
New one is Oki with 1 % on rupay transaction too

But mmt signature is my 1st card, how to close this

 

[chandra.prakash]

Coral is useless.
And icici shows every card saperate in cibil
So it will show over leverage in future.

So better to keep cards if have saperste limit
Or only the one on top if got shared limit.
(This opinion differs on op usage patterns and needs)


Would have advised to close mmt as well and just keep 1cc along with apay.

But always keep 1st cc active thats my learning

I am thinking to close saphiro and coral
and want to kept apay and mmt signature for instant discount offers because mmt is 1st card

 

[Shubham330Shubham330 is verified member.]

I am thinking to close saphiro and coral
and want to kept apay and mmt signature for instant discount offers because mmt is 1st card

Thats what my Suggestion is. But get sapphiro ltf if you can. As it would give bookmyshow benefit as well.

And mmt might get devalued further as icici launched new version of that.

 

[S9100]

I am thinking to close saphiro and coral
and want to kept apay and mmt signature for instant discount offers because mmt is 1st card

Do it you will not regret

 

[coolguy1]

Woah! Seems like you really love ICICI.

There are so many other banks out there that offer much better cards with higher rewards, you should definitely try them out.

 

[cardy]

B

But mmt signature is my 1st card, how to close this

If it's LTF why bother to close

 

[r1210user]

all gemstone under 1 account only in cibil.

Thread 'Impact of Holding Multiple Credit Cards from One Bank on Your CIBIL Report'

Sep 23, 2022

Bank​	Number of Accounts in CIBIL​	UPI Cards in CIBIL​
AMEX	Each card has 1 account	-
AU	Each card has 1 account (currently only 1 card allowed)	Each card has 1 account
AXIS	Each card has 1 account*	Each card has 1 account
BOB	Each card has 1 account	Each card has 1 account
FEDERAL	Each card has 1 account (currently only 1 card...

• helloworld
• Replies: 61
• Forum: Credit Card - General

• 

My friend is having 8 year old paid ICICI coral card. Last year he got free coral rupay card. If he is closing paid coral credit card, does it have any impact on the credit score as it is the oldest credit he is having.

Total cards: 2. 1 paid coral, LTF rupay coral.


ICICI is not ready to convert paid coral to LTF.

 

[VasukiVasuki is verified member.]

My friend is having 8 year old paid ICICI coral card. Last year he got free coral rupay card. If he is closing paid coral credit card, does it have any impact on the credit score as it is the oldest credit he is having.

Total cards: 2. 1 paid coral, LTF rupay coral.


ICICI is not ready to convert paid coral to LTF.

Depends what's the 2nd oldest card active on cibil
And the difference between oldest and second oldest card

 

[r1210user]

Depends what's the 2nd oldest card active on cibil
And the difference between oldest and second oldest card

Less than a year old coral rupay card. On CIBIL, only one account is present.

 

[VasukiVasuki is verified member.]

Less than a year old coral rupay card. On CIBIL, only one account is present.

Don't close god bless
Use 2-3 year 2nd oldest card