Hot Deal Credit Cards On "Card To Card" Basis

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Name few basic credit cards which can be applied through “card to card” basis and also mention the minimum limit required in our existing credit card to apply for one ?

P.S: No ITR and salary slip

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yolodime wrote:

Can we apply for ICICI cards on card-on-card basis? Any agent no?

I already have the ICICI Amazon Pay credit card and I want the LTF ICICI Platinum Chip Visa credit card for occasional Flipkart offers. Tried talking to icici customer care, not helpfu. I applied on the icici website using both salary & self-employed option, both showed me “sorry, we cannot process your application” at the end.

I have HDFC & Amex cards with very good limits.

Visit a local branch.
Talk to cc agent in Branch.

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Does “upgrading” an existing CC, do a cibil hard hit ? also will there be a new credit line in the full report or will it simply show under the same card ?

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Upgrading – no cibil hit
Depends on bank, but most of them will show the track from your first account.

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BlueFlash wrote:

Does “upgrading” an existing CC, do a cibil hard hit ? also will there be a new credit line in the full report or will it simply show under the same card ?

New card replaces old card.
Again, cibil hit depends on Bank

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BlueFlash wrote:

Does “upgrading” an existing CC, do a cibil hard hit ? also will there be a new credit line in the full report or will it simply show under the same card ?

No cibil enquiry if auto upgraded but Indusind will add the new card seperately as a new card. Yeah it’s stupid of them to do so! You will need to followup to get it fixed.

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I have a ICICI Bank Instant Platinum Credit Card (secured card against FD) of 1L limit from past 4 months. I tried many times for a unsecured card but got rejected everytime. I am salaried with 50K+ monthly salary and currently working from home (I think WFH might be the reason for rejection as my office is a startup in another city). And my current Cibil score is 759 which I think is decent enough.
Please tell me how I can get assured a unsecured credit card? I am thinking about card to card basis on my icici fd card. I have a icici bank account where I received my salary and it’s a privilege account (upgrade from normal account) but still there is no pre-approved credit card offer (they have given pre-approved offer for home and motor loans but no credit card). Please someone help me on this situation.

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Open an account with HDFC bank, use it actively for 6 months to an year. CC offer will pop up.
OR
Use your current secured credit card from ICICI for 8-10 months & close it. Wait for closure to be updated in CIBIL. Pre – approved offer usually comes within 2 months of closure.

CibiL “Score” doesn’t matter. What does your CIbIl report show is what matters!

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Happy to be back. Covid-19 has made me grumpier way faster than i’d have liked

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I have hdfc regalia and want icici platinum chip cc card on card basis. Where to apply for this.

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You can check with your local icici bank branch. AFAIK, ICICI doesn’t do C to C cards.

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Ramta_Jogi wrote:

You can check with your local icici bank branch. AFAIK, ICICI doesn’t do C to C cards.

They are doing it now. Min 1 year old card for salaried and 2 year for business people.

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Ramta_Jogi wrote:

You can check with your local icici bank branch. AFAIK, ICICI doesn’t do C to C cards.

My friend regularly get such calls from icici card agents with the condition that existing card must have a limit of at least 75-80k to 1.5 lakh.

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OK. Limitations of small town continues for me

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Ramta_Jogi wrote:

OK. Limitations of small town continues for me

Yup, this is a real pain; I updated my address to my native in most banks due to WFH and now I don’t see a single cc offer; so definitely being in a tier2/3 city/town hurts in regards to CC approvals.

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I am in a village. Single bus twice a week. 20 km off from main highway and almost 25km from nearest BANKUCO. Fastest Jio and Airtel and BSNL speeds on top here though.

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Ramta_Jogi wrote:

I am in a village. Single bus twice a week. 20 km off from main highway and almost 25km from nearest BANKUCO. Fastest Jio and Airtel and BSNL speeds on top here though.

It’s worth for peace.

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Ramta_Jogi wrote:

Open an account with HDFC bank, use it actively for 6 months to an year. CC offer will pop up.
OR
Use your current secured credit card from ICICI for 8-10 months & close it. Wait for closure to be updated in CIBIL. Pre – approved offer usually comes within 2 months of closure.

CibiL “Score” doesn’t matter. What does your CIbIl report show is what matters!

My Cibil score reduced to 751. On 3rd February I applied for Amazon Pay ICICI Bank credit card again after 180 days. It was completely paperless as I am already a ICICI bank account holder. They even don’t asked for salary details. I got a verification call on last Friday, he said card will approved in next 4-5 days. Yesterday my application got rejected, I don’t know for what reasons. Therefore after getting sms I went to my branch and closed my secured ICICI Bank Credit Card for pre-approved offers.

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atul_singh wrote:

My Cibil score reduced to 751. On 3rd February I applied for Amazon Pay ICICI Bank credit card again after 180 days. It was completely paperless as I am already a ICICI bank account holder. They even don’t asked for salary details. I got a verification call on last Friday, he said card will approved in next 4-5 days. Yesterday my application got rejected, I don’t know for what reasons. Therefore after getting sms I went to my branch and closed my secured ICICI Bank Credit Card for pre-approved offers.

Trust me, ICICI apay is one of most useless cards in my wallet after I got simplyClick+MRCC+Amex SmartEarn+BoB Select.
For my modest spends, this is best combination that covers all my needs.

I feel anyone would need ICICI apay card only if your bills with amazon goes above one lakh at least.

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nimod wrote:

I feel anyone would need ICICI apay card only if your bills with amazon goes above one lakh at least.

ICICI would randomly block card if repeated usage on Amazon shows payment close to 1-2L/month.

You are making use of 4 cards to replace 1 ! That headache plus the fees of 4 doesn’t support your statement vis-a-vis a free card with best-in class cashback.

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atul_singh wrote:

My Cibil score reduced to 751.

What part of my previous point, that the score figure is irrelevant, was not clear?
Have you gone through your report?
IS it clean?

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Ramta_Jogi wrote:

What part of my previous point, that the score figure is irrelevant, was not clear?
Have you gone through your report?
IS it clean?

What do you mean by clean? Can you please explain in detail? I have paid all my dues on time. But there are almost 8 enquiry made in last 1 year.

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atul_singh wrote:

But there are almost 8 enquiry made in last 1 year.

THIS!

You are desperate for a credit card & i suppose none of the applications have materialized. Have they?

This is the reason you are getting rejected. Lay off your credit card application spree for a few months.

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@atul_singh You need to prove to credit card issuers that you don’t need or want a credit card and are unlikely to use it. Desperation would only lead to rejection and also it’s like a warning sign to other card issuers. I’d recommend you take a secured loan (not a secured card) & use 20-25% of it (not full utilisation) for a period of 6-9 months so that it reflects in positive in your records going forward. For the time being close your Secured ICICI card and wait for 3 months for its closure to be updated in CIBIL.

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atul_singh wrote:

My Cibil score reduced to 751. On 3rd February I applied for Amazon Pay ICICI Bank credit card again after 180 days. It was completely paperless as I am already a ICICI bank account holder. They even don’t asked for salary details. I got a verification call on last Friday, he said card will approved in next 4-5 days. Yesterday my application got rejected, I don’t know for what reasons. Therefore after getting sms I went to my branch and closed my secured ICICI Bank Credit Card for pre-approved offers.

Rejected coz of your secured card , same thing happened to my friend

He Closed the fd card and applied, was instantly approved via video kyc no inc documents

Also Apay is worst you cant apply offers outside Amz

Icici is holding this card as their Plat trophy as all of their existing cards are pure trash

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Register yourself at paisabazaar, policybazaar or similar site, check your cibil score using your mobile and profile, wait for some days you will be flooded with card offers from them then choose LFT card using card to card approval, and there you go …… one after one you may get other bank cards as well (be sure your existing card should be six months old).

my college has done this few years back.

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BlueFlash wrote:

Yup, this is a real pain; I updated my address to my native in most banks due to WFH and now I don’t see a single cc offer; so definitely being in a tier2/3 city/town hurts in regards to CC approvals.

I live in village ,tier 3 city .still got pre-approved cc offer from icici, before when i was manually applying they were saying sir pincode nhi show ho rha system me.. so i tried bank balance way.. transferred a lot using neft ,debit card payment for shopping , received via imps neft..and voila a pre-approved card in 2 months after closing of secured fd based card

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Ramta_Jogi wrote:

ICICI would randomly block card if repeated usage on Amazon shows payment close to 1-2L/month.

You are making use of 4 cards to replace 1 ! That headache plus the fees of 4 doesn’t support your statement vis-a-vis a free card with best-in class cashback.

Replaced all others + cash expenses.
Before shifting to paid cards, i too, had high respect for free cards. Now i know, many paid cards are worth the fee.
For example, many others, including me will be willing to own a paid infinia.

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nimod wrote:

Replaced all others + cash expenses.
Before shifting to paid cards, i too, had high respect for free cards. Now i know, many paid cards are worth the fee.
For example, many others, including me will be willing to own a paid infinia.

Lol… how can u compare Infinia to APay?! That’s a whole different league altogether. Though even Infinia can’t beat what APay offers for Amazon Prime without beating around the bush. 5% flat cashback.
Infinia is LTF in some offers – does that make it cheap & worthless?

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