Suggestions on closing ICICI Coral

[avi_devdhar]

I have Axis Magnus and LTF Diners Club Black,
and SBI cashback for Online transactions.

ICICI contacted me and offered LTF Sapphiro, and i applied for it. but they gave me a LTF Coral.

I Don't have too much spends, and also Coral is useless for me ,
Thinking if i should just close the card, if i don't use it in a week, it ll get closed as i never activated the card.

Does closing card have an effect on cibil score ?
Should i just keep the card for a rainy day or some crazy offers on icici card ?

need suggestions.

 

[Bodhi]

I have Axis Magnus and LTF Diners Club Black,
and SBI cashback for Online transactions.

ICICI contacted me and offered LTF Sapphiro, and i applied for it. but they gave me a LTF Coral.

I Don't have too much spends, and also Coral is useless for me ,
Thinking if i should just close the card, if i don't use it in a week, it ll get closed as i never activated the card.

Does closing card have an effect on cibil score ?
Should i just keep the card for a rainy day or some crazy offers on icici card ?

need suggestions.

I feel you mustn't close and instead escalate and push ICICI for Sapphiro LTF as per their prior commitment.

It would be helpful if you could somehow prove to them that you were promised Sapphiro LTF. Maybe a text, email, or the personnel's name with a call recording, etc.

This is my suggestion but please do investigate further and take others' opinions as well.

All the best!

 

[avi_devdhar]

i did call them, prove it to them via screenshots of texts from icici business person,
it was of no help.
they said we can just close the card and can't give sapphiro

 

[Bodhi]

i did call them, prove it to them via screenshots of texts from icici business person,
it was of no help.
they said we can just close the card and can't give sapphiro

Have you tried escalating it via email/social media or writing to their escalation team/nodal officer, etc.?

 

[NOOBY]

i did call them, prove it to them via screenshots of texts from icici business person,
it was of no help.
they said we can just close the card and can't give sapphiro

If that person was an 3rd party agent, then even if you share WhatsApp screenshots it wont help as ICICI will deny it... but if that's an actual ICICI employee who has official email and has ID card, then you can surely escalate it.

as in, if you say your current CC limit is 5L, they will tell you that you are elligible for Sapphiro (as per the doc they have) but thats not actual as ICICI backend team has their own set of tasks which is why you were given Coral (downgrade)...


There are many such cases, try searching it in ICICI CC area, you will find it here and there.... HDFC has 10x the cases than ICICI with same scenario 😛

 

[Dhruvit.SDhruvit.S is verified member.]

Don't close it. ICICI cards are always on offer. Aslo it's LTF so no harm holding. I too have a Coral LTF. As for sapphiro it's a high annual charge card. Not given out LTF so easily.