Hot Deal Is having a FD based credit card reduces chances of getting pre-approved cc

366°
Missing
Deal Cadet
50
153
3

I have a fd based credit card in icici bank. My account is 6 months old , so i have a question is having a fd card will  reduce my chances to getting pre-approved offer ??

75 Comments  |  
19 Dimers
Missing
suspended
51
642
3

are you currently working? if not, there is very less to no chance to get pre-approved offer. If you are already working, you can get a credit card using your ITR.

Missing
Deal Newbie
52
42
0

If you already have ICICI credit card, there are very fewer chances of getting LTF pre-approved credit card. This is as per my observation. I also had an FD based Card. I closed my card after 11 months. The next month I got an offer for LTF platinum card.

Missing
Deal Cadet
50
153
3
desidime__admin wrote:

are you currently working? if not, there is very less to no chance to get pre-approved offer. If you are already working, you can get a credit card using your ITR.

Yes , i am working now and also i have mab around 2 lac and monthly transactions around 1 lacs ( self transfer, UPI, bill payment ) . My account is salary account in icici.

Missing
Deal Cadet
50
153
3
R_v wrote:

If you already have ICICI credit card, there are very fewer chances of getting LTF pre-approved credit card. This is as per my observation. I also had an FD based Card. I closed my card after 11 months. The next month I got an offer for LTF platinum card.

Thanks , i requested to close my fd card , let’s see what happens..

Missing
Deal Cadet
50
153
3

Update : i closed my current fd based credit card. Let’s see after how many month of this ,i get pre approved cc offer

Missing
Deal Cadet
50
128
2
dark.demon wrote:

Update : i closed my current fd based credit card. Let’s see after how many month of this ,i get pre approved cc offer

Why not applying rather than waiting?

Missing
Deal Cadet
50
468
3
R_v wrote:

If you already have ICICI credit card, there are very fewer chances of getting LTF pre-approved credit card. This is as per my observation. I also had an FD based Card. I closed my card after 11 months. The next month I got an offer for LTF platinum card.

Same observations here…for myself and my partner account

Missing
Deal Cadet
50
153
3
Expand
GuruGhantaal wrote:

Why not applying rather than waiting?

Coz i have hdfc card , which i basically use.. my main motive is to get amazon pay icici cc ..but recently got denied for it because i didn’t had last 3 mnth salary slip ,had only 1 months salary slip sad while applying . now as i have to wait for around 130+ days.. so that’s y i am not applying any regular cc in icici as thre aren’t worth as per my thinking .. hence waiting for pre approved offer.. Moreover i don’t have itr and only 2 mnths salary slip.. sad

Missing
Critic
0
3325
41
Expand
dark.demon wrote:

Coz i have hdfc card , which i basically use.. my main motive is to get amazon pay icici cc ..but recently got denied for it because i didn’t had last 3 mnth salary slip ,had only 1 months salary slip sad while applying . now as i have to wait for around 130+ days.. so that’s y i am not applying any regular cc in icici as thre aren’t worth as per my thinking .. hence waiting for pre approved offer.. Moreover i don’t have itr and only 2 mnths salary slip.. sad

Open an acc in axis bank & after 1-2 months apply for axis ace card, better than amazonpay for any transaction other than on amazon itself.

Missing
Deal Cadet
3
601
53
Expand
guest_999 wrote:

Open an acc in axis bank & after 1-2 months apply for axis ace card, better than amazonpay for any transaction other than on amazon itself.

what about annual charges?

Missing
Critic
0
3325
41
Expand
kool wrote:

what about annual charges?

500+gst can be recovered easily if this card is used efficiently & if you spend 2 lakh in 1 year then annual fee waived.

Missing
Deal Cadet
50
153
3
Expand
guest_999 wrote:

Open an acc in axis bank & after 1-2 months apply for axis ace card, better than amazonpay for any transaction other than on amazon itself.

Can you list some of its benefits over amazon icici card .. my main shopping is frm amazon only.. rest i pay around 2 lacs of insurance premium annually .. so is there any benefits of this card as per your view..

Missing
Critic
0
3325
41
Expand
dark.demon wrote:

Can you list some of its benefits over amazon icici card .. my main shopping is frm amazon only.. rest i pay around 2 lacs of insurance premium annually .. so is there any benefits of this card as per your view..

2% cashback on insurance premium payment & all transactions & 5% cashback on all other bill payments. Cashback is direct credit to card acc & not in form of voucher/wallet balance etc. Spend 2 lakh in a year & annual fee is waived.

Missing
Deal Cadet
50
153
3
Expand
guest_999 wrote:

2% cashback on insurance premium payment & all transactions & 5% cashback on all other bill payments. Cashback is direct credit to card acc & not in form of voucher/wallet balance etc. Spend 2 lakh in a year & annual fee is waived.

Cool..but for me amazon icici would suit better , i make 90% of my purchases on amazon ..being a prime ..i will get 5%.. will try for this card too though..but not rn.. but thnks for the suggestions though..

Missing
Critic
0
3325
41
Expand
dark.demon wrote:

Cool..but for me amazon icici would suit better , i make 90% of my purchases on amazon ..being a prime ..i will get 5%.. will try for this card too though..but not rn.. but thnks for the suggestions though..

If 90% of your purchase is through amazon then definitely amazonpay card is better.

Missing
Deal Captain
16
7071
62
Expand
guest_999 wrote:

2% cashback on insurance premium payment & all transactions & 5% cashback on all other bill payments. Cashback is direct credit to card acc & not in form of voucher/wallet balance etc. Spend 2 lakh in a year & annual fee is waived.

AmazonPay ICICI CC also gives 2% for insurance payment.

Missing
Critic
0
3325
41
Expand
_One_Miller_ wrote:

AmazonPay ICICI CC also gives 2% for insurance payment.

Yes but in axis ace you get direct statement credit.

Missing
Deal Cadet
62
947
4
Expand
guest_999 wrote:

Yes but in axis ace you get direct statement credit.

How is this different than apay card?

Missing
Deal Lieutenant
0
3768
57
Expand
billubakra wrote:

How is this different than apay card?

Very different. Amazon credits cashback to wallet and Axis Ace credits it to your credit card monthly statement/bill.

Missing
Deal Cadet
62
947
4
Expand
1cooldesidd wrote:

Very different. Amazon credits cashback to wallet and Axis Ace credits it to your credit card monthly statement/bill.

By wallet to mean apay?

Missing
Critic
0
3325
41
Expand
billubakra wrote:

By wallet to mean apay?

Yes, amazonpay card cashback is given in the form of added balance to card linked amazon acc just like sbi yono but much more transparent/faster.

Missing
Deal Cadet
50
216
3
Expand
guest_999 wrote:

Open an acc in axis bank & after 1-2 months apply for axis ace card, better than amazonpay for any transaction other than on amazon itself.

what is MAB for account
and how much should i maintain to get this in 2-3 months

Missing
Deal Cadet
50
208
2
dark.demon wrote:

Update : i closed my current fd based credit card. Let’s see after how many month of this ,i get pre approved cc offer

Does this trick work, I have also secured credit almost 6 month old, if If close it after a year, will I get pre-approved card. In my CIBIL report ICICI has mentioned secured credit card while SBI has not mentioned just credit card in my CIBIL.

Missing
Deal Cadet
50
208
2
Expand
nikhil9702 wrote:

what is MAB for account
and how much should i maintain to get this in 2-3 months

I have heard also some ppl has applied secured credit & later axis bank removed the lien mark on the FD. So. Now they are using it as a unsecured card.

Missing
Deal Cadet
50
153
3
Expand
Mufasa wrote:

Does this trick work, I have also secured credit almost 6 month old, if If close it after a year, will I get pre-approved card. In my CIBIL report ICICI has mentioned secured credit card while SBI has not mentioned just credit card in my CIBIL.

I will let you know mufasa.

Missing
Deal Cadet
50
153
3
Expand
Mufasa wrote:

I have heard also some ppl has applied secured credit & later axis bank removed the lien mark on the FD. So. Now they are using it as a unsecured card.

But in case of icici, they do not remove lien nor you can increase the limit.. hence there is no use of secured cc, after one year.. coz you would have build enough score during this period..

Missing
Deal Cadet
50
208
2

When I visited ICICI bank for KYC, she offer me add on card amazon pay, he asked me what I do, I told my I have my shop (clothes). She declined to issue amazon pay. She told me to apply after 3~6 moths again. But I know as per my experience, they are not gonna issue without salary, ITR.

Missing
Deal Cadet
50
208
2
Expand
dark.demon wrote:

But in case of icici, they do not remove lien nor you can increase the limit.. hence there is no use of secured cc, after one year.. coz you would have build enough score during this period..

Mine cibil is 750 currently. I am use two credit cards from the last 6 moths, I want unsecured card. Unsecured card jb milne ki feeling kuch aur hi hoti hai

Missing