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

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dark.demon

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 ??

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VimAl_Raj wrote:

Thank you bro.. How many days it vil take for d card generation after d final card verification?do v receive any communication regarding d card approval ?

Over all the process gets finished within 21 days.

Hunk Hunk
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guest_999 wrote:

It depends on whether the card is secured(against fd, usually 1 verification call only) or unsecured in which case whether you have shown yourself as salaried(usually 1-2 verification calls) or self employed(these get at least 3-4 verification calls). Only after the last verification call the process proceeds & card number is usually generated within a week.

Mine is unsecured card.. Verification guy informed that vil receive card within 10 days..e asked my opinion for card delivery to home r office address. I ve selected office address.. But so far no confirmation email

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VimAl_Raj wrote:

Mine is unsecured card.. Verification guy informed that vil receive card within 10 days..e asked my opinion for card delivery to home r office address. I ve selected office address.. But so far no confirmation email

I received my SC on 17th day and IRCTC RuPay one on 8th day after application.

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Update : i applied for the credit card online on 26th dec 2020 and uploaded documents too ..its been more than 2 days but i haven’t received any call from them .. .. is there any clue that how many days they take to call for online application ??

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@dark.demon I suggest you to stay away from Icici bank credit card, I understand they have some offers from time to time but their actual credit card isn’t rewarding plus they messup the cibil profile very badly, they keep adding random entries for address which are not related to the customer and when you close the card they don’t update in cibil as well for months.

Personally, if your preference is amazon shopping then better get any hdfc bank card as they have smartbuy which gives 5% cashback instavouchers of amazon plus shopping on amazon as well. Plus their Infinia and Diners black card are awesome and still the market leaders.

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go_gorav wrote:

@dark.demon I suggest you to stay away from Icici bank credit card, I understand they have some offers from time to time but their actual credit card isn’t rewarding plus they messup the cibil profile very badly, they keep adding random entries for address which are not related to the customer and when you close the card they don’t update in cibil as well for months.

Personally, if your preference is amazon shopping then better get any hdfc bank card as they have smartbuy which gives 5% cashback instavouchers of amazon plus shopping on amazon as well. Plus their Infinia and Diners black card are awesome and still the market leaders.

True af.. i had fd based cc and they messed up my name ..now i can’t even correct it.. i have closed the fd based cc..i have hdfc cc with me now.. though i had applied for icici cc but thanks to your advice.. i might skip it now… .


Thanks

Vu+kg

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dark.demon wrote:

True af.. i had fd based cc and they messed up my name ..now i can’t even correct it.. i have closed the fd based cc..i have hdfc cc with me now.. though i had applied for icici cc but thanks to your advice.. i might skip it now… .


Thanks

Vu+kg

They are stupid af.
I used to hold a fd based credit card with them for more than 4 years and did transactions worth 10 lakhs+ per year yet they never offered me a direct credit card even after closing the FD cc quoting “internal policies”. truth is i am self employed with a startup due to which they didn’t. I closed all my accounts with them even my company’s current account.
Moved to HDFC, who offered me LTF credit card within months of joining with them.

Interesting thing which makes me mad and laugh at ICICI is that they offered a credit card with 1L credit limit to my employee who worked in my start up without much verification after few months of rejecting my card and that too on first application itself and guess what, that idiot scammed them for 1 Lakh and left.
So, I felt so happy that these people had a loss. Also, felt so relieved when they were scammed by all these Nirav modi and mallaya and other scammers.

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go_gorav wrote:

They are stupid af.
I used to hold a fd based credit card with them for more than 4 years and did transactions worth 10 lakhs+ per year yet they never offered me a direct credit card even after closing the FD cc quoting “internal policies”. truth is i am self employed with a startup due to which they didn’t. I closed all my accounts with them even my company’s current account.
Moved to HDFC, who offered me LTF credit card within months of joining with them.

Interesting thing which makes me mad and laugh at ICICI is that they offered a credit card with 1L credit limit to my employee who worked in my start up without much verification after few months of rejecting my card and that too on first application itself and guess what, that idiot scammed them for 1 Lakh and left.
So, I felt so happy that these people had a loss. Also, felt so relieved when they were scammed by all these Nirav modi and mallaya and other scammers.

If you want pre-approved cc from icici never get a fd based credit card. Do transaction from bank account or debit card. If you had done 10lac worth transaction via net banking or Debit card i am sure they would have given you a pre approved cc.

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Simbha3 wrote:

If you want pre-approved cc from icici never get a fd based credit card. Do transaction from bank account or debit card. If you had done 10lac worth transaction via net banking or Debit card i am sure they would have given you a pre approved cc.

they won’t do it for anything, I enquired with every person in there, it was I being a self employed.

And let’s assume what you are saying is right, still the way they messup the cibil profile by adding random names, phone numbers and addresses is not worth it. Better to stay away from this bank and their credit card :/

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go_gorav wrote:

they won’t do it for anything, I enquired with every person in there, it was I being a self employed.

And let’s assume what you are saying is right, still the way they messup the cibil profile by adding random names, phone numbers and addresses is not worth it. Better to stay away from this bank and their credit card :/

Nothing like this happened with me..if there is error create a dispute on cibil.

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[delete]

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Simbha3 wrote:

Nothing like this happened with me..if there is error create a dispute on cibil.

Try creating a dispute on cibil, nothing ever changes, they tell you to contact the bank/credit card company as they can only do changes and then if you try contacting the bank, they have zero clue what and how it can be changed. They never cared to reply me after several follow ups.

Good to see that nothing happened with you, but there are several stories of them treating their customers like shit and messing up cibil profiles. Not a bank to bank with atleast for me.

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go_gorav wrote:

Try creating a dispute on cibil, nothing ever changes, they tell you to contact the bank/credit card company as they can only do changes and then if you try contacting the bank, they have zero clue what and how it can be changed. They never cared to reply me after several follow ups.

Good to see that nothing happened with you, but there are several stories of them treating their customers like shit and messing up cibil profiles. Not a bank to bank with atleast for me.

Its true.. i did get the same response for the mess icici bank has created.. now my cibil has wrong name and i am trying to get it corrected… Cibil auto close all the disputes.. sad

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go_gorav wrote:

Try creating a dispute on cibil, nothing ever changes, they tell you to contact the bank/credit card company as they can only do changes and then if you try contacting the bank, they have zero clue what and how it can be changed. They never cared to reply me after several follow ups.

Good to see that nothing happened with you, but there are several stories of them treating their customers like shit and messing up cibil profiles. Not a bank to bank with atleast for me.

Right…The Dispute system on the CIBIL site is a joke…I disputed several nonsense things banks have uploaded on my CIBIL & everytime CIBIL sent me same crap email asking me to contact the bank to get the details changed…

SBI & Kotak uploaded a lot of crap on my CIBILSBI provided a Bangalore based address on my CIBIL which I never heard about & it’s showing as my office address lol…These SBI credit card agents call me almost on daily basis for cards & everytime from a new number & I am sick-n-tired of blocking the numbers…

Credit card agents of SBI many times process applications with fake office addresses without asking the CC applicants to get the applications processed faster so that they can earn their commission faster & when will you try to dispute it, CIBIL site will take several days & then will send you an sms & email saying they resolved it & will ask you to contact the bank…Not a single false detail have ever changed by the CIBIL site so I stopped disputing…

And they shamelessly send survey links everytime to rate their dispute resolution process lol..

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Sushrut.B wrote:

Right…The Dispute system on the CIBIL site is a joke…I disputed several nonsense things banks have uploaded on my CIBIL & everytime CIBIL sent me same crap email asking me to contact the bank to get the details changed…

SBI & Kotak uploaded a lot of crap on my CIBILSBI provided a Bangalore based address on my CIBIL which I never heard about & it’s showing as my office address lol…These SBI credit card agents call me almost on daily basis for cards & everytime from a new number & I am sick-n-tired of blocking the numbers…

Credit card agents of SBI many times process applications with fake office addresses without asking the CC applicants to get the applications processed faster so that they can earn their commission faster & when will you try to dispute it, CIBIL site will take several days & then will send you an sms & email saying they resolved it & will ask you to contact the bank…Not a single false detail have ever changed by the CIBIL site so I stopped disputing…

And they shamelessly send survey links everytime to rate their dispute resolution process lol..

Here’s a look to cibil dispute resolution process.  lmao  they are superhumans who can receive email,instantly read it ,contact institute and then reply to it..
See the timing .. at 2:34 pm i raised the  dispute.. and they replied in less than a minute that they can’t change it

joy


They can’t even fake it joy joyits just a auto email function.. they should just give a popup at dispute form ,, abhi lunch time h, koi change ni hoga joy joy

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dark.demon wrote:

Here’s an look to cibil dispute.. lmao  they are superhumans who can receive email,instantly read it ,contact institute and then reply to it..
See the timing .. at 2:34 pm i raised the  dispute.. and they replied in less than a minute that they can’t change it

joy


They can’t even fake it joy joyits just a auto email function.. they should just give a popup at dispute form ,, abhi lunch time h, koi change ni hoga joy joy

Just “Sarkari” things… stuck_out_tongue

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UPDATE : Received Rubyx Pre approved Credit Card Offer with 1.5 lac limit smile

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dark.demon wrote:

Its ltf https://cdn0.desidime.com/attachments/photos/664881/medium/Screenshot_2021-02-11-07-35-03-35_9c5d58cccb392c7574a8ddacf7cdd307_2.jpg?1613024380 <img src=“https://i.ibb.co/kQtTbGy/c...pg” alt=“cc2” border=“0” />

Congrats! Btw when you upload pic on imgbb then select “html full linked” from embed codes viewer links dropdown options & copy paste that code here. It will show the full resolution image here itself just like original uploaded image.

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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

How did you redeem the reward points ?
I requested to close FD based card and they declined saying, Reward points not redeemed

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Topsey wrote:

How did you redeem the reward points ?
I requested to close FD based card and they declined saying, Reward points not redeemed

Call to block…don’t mail. They are going to send you same mail.

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Topsey wrote:

How did you redeem the reward points ?
I requested to close FD based card and they declined saying, Reward points not redeemed

I closed the card by calling the customer care team,
He took the request and the card was canceled in around 4 working days.
and after closing the card 2 months after I got preapproved card //
Before closing the card
I redeemed the point by going to payback site and bought amazon gvs ..

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guest_999 wrote:

Congrats! Btw when you upload pic on imgbb then select “html full linked” from embed codes viewer links dropdown options & copy paste that code here. It will show the full resolution image here itself just like original uploaded image.

Thanks ..i will do the same from next time

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dark.demon wrote:

I closed the card by calling the customer care team,
He took the request and the card was canceled in around 4 working days.
and after closing the card 2 months after I got preapproved card //

I redeemed the point by going to payback site and bought amazon gvs ..

I thought reward points in any card are lapsed if that card is closed instead of being converted. Btw what’s the conversion ratio of payback points to amazon gv.

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guest_999 wrote:

I thought reward points in any card are lapsed if that card is closed instead of being converted. Btw what’s the conversion ratio of payback points to amazon gv.

For icici.. 400 payback point = 100 rs amazon gvs.. i goto payback site and redeem there.as even 100 rs gvs are available there with no additional fee..:)

You can pay additional required money via cc dc if points are not sufficient.

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dark.demon wrote:

For icici.. 400 payback point = 100 rs amazon gvs.. i goto payback site and redeem there.as even 100 rs gvs are available there with no additional fee..:)

You can pay additional required money via cc dc if points are not sufficient.

So does this mean icici card reward points go to some separate payback acc so even if that card is closed points are still there.

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Icici credit card has redemption charges for each payback transaction around 39 includes GST. Be aware

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