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

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Deal Cadet
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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12 Comments  |  
6 Dimers
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Critic Critic
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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.

Comrade Comrade
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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…. 

Generous Generous
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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 Cadet Deal Cadet
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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 Cadet Deal Cadet
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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.

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

Deal Cadet Deal Cadet
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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.

Deal Cadet Deal Cadet
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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-...


Finance Ninja Finance Ninja
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If Possible, Start More than 50k Crediting to your ICICI Bank Account every month on the 1st week of each month within 6-9 months ,you will get something And next day transfer it! Yes, Location matters for ICICI Bank
Deal Cadet Deal Cadet
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Thanks @shraaj for response & reopen thread,


As per my understanding its not easy to chase icici for pre approved offer i maintained this year from FEB 2022 to till 31 july 2022 around 3 lacks plus average balance but there is no changes in icici moods they now offering me two wheeler loans , Consumer durable loon , home loan as well as personal one day accidently i clicked over home loan after that i got bombarding of calls regards home loan after multiple deny they daily made calls but till now no pre approved card offer by them i can't see anywhere in future they will offer or not who knows !


There are 4 cibil enquiry with icici in my cibil till today still there is no clue multiple times i approaches with cc & twitter team but they unable to offer always saying visit near branches even after visit near by branches they have no clue over this no idea.


Even i reported this icici grievance & senior level they even not able to hear recently i approached RBI CRPC along with old previous trail mail feels like i am in follow-up with them over mail from last july 2021 onwards now they finally approved my apay card with with 130k limits in single shot before they made my 3 application rejected or declined due to internal policy last application got rejected due to office address verification failed even they made request on my official mail address after that submitted all details same required details with official mail still they not approved saying office address verification failed even nobody come for verify office address even home address verification done in one go smoothly i personally belongs to Rewa Madhya Pradesh Pin - 486001 this is belong to 3 tier city or less i don't know i found most of the banks available with URBAN branches in my pin code area for a single credit card its not easy to chase any bank atleast with this pincode even first time every application got rejected either their system issue or some logic set behind this.


I am holding my salary a/c with ICICI from May 2020 onwards still i am unable to understand there is something issue with my profile or pin code area i am working for Bangalore Automotive Electronics small company my salary coming from there but many times i tried to fill office addresses but it also not accepting due to my home town adhaar pin address i.e. 486001 obvious feels like something restricting to me during credit card application flling,


In my home pin code most of the major banks available like HDFC - 3 Urban Branches , Axis - 3 Urban Branches , Icici - 2 Urban branches still their system not allowing to process my card application.


Even my credit history is more than 3 years old now from April 2019 never miss any payments Today cibil Trans rolling with - 785 still some times feels its not sufficient something is not right somewhere i am lacking .


Kindly share your opinion !!!


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Finance Mentor Finance Mentor
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Topic title looks like error_code_generated_by_system

Icici backend might be throwing such error codes while generating your pre-approved card offer.

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