Digita1Err0r
TF Buzz
Hello,
My Dad has a good relationship with ICICI and the BM is close enough and any banking related queries are always done over phone or they always come home promptly. This made me ask him to introduce me and he talked to BM. Fast forward, I was given a WM account with my dad's introduction and an initial funding of 3L. Took it out in a few weeks though.
Now, I wanted to try for emeralde and when I spoke to BM, he introduced a PL & CC RM to me and told we'll see what happens and if there is a BM approval required, he'd give it without any 2nd thought. Initially RM was very positive of giving a emeralde despite me saying I fall way short of the expected monthly salary, my company is not listed in their system, I dont have the expected NRV with them. We proceeded and then UCJ (their internal system for employees to see eligibility) didnt show emeralde (infact just this one, no coral as well) paid. I asked what happened to emeralde and then he switched his words and keeps saying I dont meet criteria. I can take a loan for 30L and may be they'll offer FYF. I told him, if its emeralde, I dont mind paying but he keeps saying emeralde is impossible and take sapphiro and probably I might get an upgrade.
I clearly told him, I can take sapphiro if its LTF since its not a good rewarding card and I have other cards (Amazon pay ICICI, Regalia Gold, IndusInd Legend all with >5L limit). I even gave him an option to apply using C2C route to see if emeralde would be eligible or sapphiro can be made LTF.
When I received no convincing response from him, I told him:
1. Get me a emeralde or emeralde private with membership fee
2. Get me a sapphiro LTF
or lets close the application and not proceed further. I feel there's no point in paying 6.5k+GST membership fee + 3.5k+GST renewal fee each year for sapphiro. Am I being wrong here?
My Dad has a good relationship with ICICI and the BM is close enough and any banking related queries are always done over phone or they always come home promptly. This made me ask him to introduce me and he talked to BM. Fast forward, I was given a WM account with my dad's introduction and an initial funding of 3L. Took it out in a few weeks though.
Now, I wanted to try for emeralde and when I spoke to BM, he introduced a PL & CC RM to me and told we'll see what happens and if there is a BM approval required, he'd give it without any 2nd thought. Initially RM was very positive of giving a emeralde despite me saying I fall way short of the expected monthly salary, my company is not listed in their system, I dont have the expected NRV with them. We proceeded and then UCJ (their internal system for employees to see eligibility) didnt show emeralde (infact just this one, no coral as well) paid. I asked what happened to emeralde and then he switched his words and keeps saying I dont meet criteria. I can take a loan for 30L and may be they'll offer FYF. I told him, if its emeralde, I dont mind paying but he keeps saying emeralde is impossible and take sapphiro and probably I might get an upgrade.
I clearly told him, I can take sapphiro if its LTF since its not a good rewarding card and I have other cards (Amazon pay ICICI, Regalia Gold, IndusInd Legend all with >5L limit). I even gave him an option to apply using C2C route to see if emeralde would be eligible or sapphiro can be made LTF.
When I received no convincing response from him, I told him:
1. Get me a emeralde or emeralde private with membership fee
2. Get me a sapphiro LTF
or lets close the application and not proceed further. I feel there's no point in paying 6.5k+GST membership fee + 3.5k+GST renewal fee each year for sapphiro. Am I being wrong here?
