Should i close ICICI Platinum CC?

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JohnDoe69
Hello dimers,
As i wanted to build my cibil, i applied for secured icici platinum and now its 6 months old and while applying for platinum cc i didn't knew that I'll not get any pre approved offer from icici even if i maintain good amb. Also icici amazon also got rejected due to this.
So should i close my icici cc now as my credit score is above 760 now and wait some months for pre approved offer from icici or should i try to ask in branch for removal of lien on platinum or should i keep it for full one year and close near fd maturity?
Also suggest some cards that can be approved without submission of itr.
Thank you.
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36 Comments  |  
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Benevolent Benevolent
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Maintain good balance like 2-3 lacs in HDFC within 3 months u get pre-approved CC

register in Paisa bazaar etc u get lot of pre-approved offers(spam callsSMS side effect)

u can close FD after getting HDFC card

Critic Critic
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HDFC card does not report limit to cibil so not recommended as first/only credit card unless pay immediately after use.
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Generous Generous
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Get some other card first, then close this secured card.

Beacon Beacon
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Holding two others.

Benevolent Benevolent
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After 1 yr close this cc. do transaction on icici you will get preapproved cc. 

Deal Subedar Deal Subedar
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Reason for decline of amazon card is not that you already have a icici credit card.

Branch will never remove lien

Close platinum card and wait for pre-approved popup or try to apply amazon card from a good amazon account which is old and regularly used

Critic Critic
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If option "already having an icici credit card" selected then it doesn't matter from which amazon acc the application is done because only existing icici card bin will be used for deciding instant approval/rejection of amazonpay card.
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Beacon Beacon
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Some saying keep fd based for generating amazon cc, some saying close and wait for pre approved, so confusing.

Should i close it bcz till now it's a fact that icici will never give pre approved offer as long as fd cc is there.

Comrade Comrade
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What you did then? Iam in similar situation lol.. Confused whether to open regular balance account or open regular balance acc+ FD cc so i can get icici amazon cc.. can you share your experience?

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Deal Subedar Deal Subedar
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Yes you have to close your existing ICICI scored credit card for getting pre approved credit card from ICICI. I wait almost 18 months but no pre approved CC offer from ICICI. I closed thr secured card & waited like 4~5 months & got the pre-approved Coral ltf then next month I got Apay card.

Beacon Beacon
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I'm getting amazon icici card in 60 seconds banner without income proof. Can i apply for my sister using my account and filling pan card details of my sister?

replyuser
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