ICICI_PREAPPROVED_CREDIT CARD_OFFER NOT GETTING FROM 2 YEARS ON ICICI ZERO BALANCE SALARY ACCOUNT

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Deal Newbie
Vineet_

Recently 4 times i applied for Amazon pay icici credit card it got declined in 26 march 2022 on from last may 2020 my icici salary account open by employer right now i am holding in hand salary 16331/- excluding epf+esi total 18900/- monthly my salary getting credited around 3-4 of every months from last 2 years i am using most as possible its master titanium card for required where ever debit card support i am using there recently on june 2021 onwards i booked fd for 84500 with 76500/- credit limit for platinum card i used for my daily expense for card till feb 2022 i closed the same & withdraw my money due to some fund emergency till now my experience with icici pre approved card is not good after 20-30 page transaction including upi, simpl, lazypay , flipkart pay later idfc, amazon pay later auto debit from idfc lending partner all enabled with icici salary a/c only including paytm upi.

Right now my cibil Transunion stuck @ 760 from last 2 months neither getting increasing or decreasing from feb 2022 onwards i am maintaining around 70-80k balance mab as per icici average balance calculation . Dear dimers kindly help me with the same after multiple long week research from dimers discussion for preapproved icici credit card asking for maintain 1 lac + balance for 3-4 bank Quarter its really true it will help me to trigger credit card offer or not ? Right now i have only pre approved offer for personal loan only nothing else !

 i am unable to understand where i am doing mistake i am falling under sometimes from tier 3 city as i feel my pin code – 486001 showing as card is able to deliver from icici but still after multiple approach from icici over customer care & twitter handle i am struggeling with getting unsecured credit card approval .

Dear dimers request you please help me with the same if i am doing any mistake in my whole story please let me know . If anybody related icici credit card team please help me out with this how to get atleast basic pre approved credit card i am waiting fron jan 2021 its been 1 year + over till now i am not able to get my credit card i didn’t try others because of bank relationship i don’t have & many bank not serviceable in my adhar pincode like sbi, hdfc & icici only main branch With pin- 486001.

Dear dimers please look into my concern & suggest !
 

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If after all this you still couldn’t get regular icici credit card then very little chance of success in near future too. Better to get some friend/relative in tier-1 city to get the card for you & then use it.

Deal Subedar Deal Subedar
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First go for cards which are easy to get… Like bank of baroda… They are giving currently to almost everyone .. Even loan defaulters, cibil less than 750…apply in march only…. High chance of getting it…as it will be counted in last financial year… From 1 April new financial year… Apply for easy variant… Use for 6 months…. And then apply any other card on card to card basis…. 

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Firstly, You did it wrong. You should not have applied for the FD based card. And you closed it last month only. ICICI don’t issue pre-approved cards to existing card holders. I appreciate that you read past threads on this topic instead of asking here straight away but you missed to notice that those who held Amazon Pay card did not get any pre-approved offers too. Same applies on your case.

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Secondly, your in-hand salary will not be attractive to the bank to issue you a card like others. So salary route may take longer than you think.

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Since you have closed your existing card now, start to maintain 1L+ for the next 3 to 6 months. You will get pre-approved offers for sure. Maintain your cibil until then.

Deal Newbie Deal Newbie
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Dear @prem4998 thanks for ur response i want to know is branch from tier 3 city affected with pre approved offers eligibility or all system same for all serviceable pincode except black listed for icici i am already maintaining 70-80k MAB From mid feb onwards it not going any how below 70k kindly suggest if any how longer i need to wait for trigger pre approved icici credit card.

Deal Newbie Deal Newbie
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Dear @batman_retired sorry to say bob not serviceable so any how it will get declined or rejected only i have option for hdfc, icici & very rare sbi.

Deal Newbie Deal Newbie
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Any @ icicibank_card credit card specialist or senior experience advice please share anybody already gone through this case or some because i already read gone throgh lots of thread in desidime regards pre approved icici credit card trigger/approach but my case not matching with anyone where i am falling why 4 times my apay card rejected beside cibil is good & salary account.

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Vineet_ wrote:

Dear @batman_retired sorry to say bob not serviceable so any how it will get declined or rejected only i have option for hdfc, icici & very rare sbi.

Apply for hdfc moneyback plus card as a salaried person, good chances of getting approved with at least 30-35k limit.

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Dear @prem4998 @akki.akki @decideaim; @Akkiii @Mufasa @Snapz @bohemian @Ramta_Jogi; @EkdamSastaRaju @Sushrut.B; @shraaj please tell me how longer i need to wait for icici pre approved card trigger i am started to hold 2.5L AMB from 1 march 2022 onwards still there is no updates from @ icici credit card team. My cibil Transunion rolling around 771. Kindly suggest dear dimmers !


I am continuously making follow up below thread pre approved icici card trigger


https://www.desidime.com/discussions/icici-pre-...


https://www.desidime.com/discussions/axis-bank-...


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