Should i close ICICI Platinum CC?

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Last Comment 2023-08-31

2023-05-01

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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Top Comments

https://www.desidime.com/discussions/should-i-close-icici-platinum-cc?page=2#post_9243548

guest_999

2023-05-01

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caks2006407 wrote:
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

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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https://www.desidime.com/discussions/should-i-close-icici-platinum-cc?page=2#post_9248813

guest_999

2023-05-03

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ansh7 wrote:
""If such a banner is not showing or the number linked with existing icici cc is different from the one in amazon acc then one will see the option to select "existing icici cc user" in next screen when clicking on apply now.""

I asked for this

You are right such option won't come if number linked with amazon acc is not the same as icici card, I never noticed that in all such cases where option to enter existing card was shown it was when mobile no. linked to amazon acc & icici card was same. In my/similar cases when I clicked on apply now after getting that banner of "generate card within 60 seconds" I didn't even have to manually enter my existing icici card number as it was automatically captured by system based on my mobile no so I assumed that those who have a different mobile no. in their amazon acc need to enter it manually after selecting existing icici user option.

https://www.desidime.com/discussions/should-i-close-icici-platinum-cc?page=2#post_9337405

Akashn9

2023-06-13

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Reaper1 wrote:
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.

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?

https://www.desidime.com/discussions/should-i-close-icici-platinum-cc?page=2#post_9339928

Reaper1

2023-06-14

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Akashn9 wrote:
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?

I opened regular 10k mab a/c online and created an fd of 15k and got instantly platinum cc with 13.5k limit. Then i closed it after 6 months bcz of the same issue of not getting any offer and just after closing it (around 3-4 days) i started getting offers of pre approved loans as well as icici paylater that i didn't got before, now waiting for pre approved cc offers.
P.S i did a mistake of creating 15k fd as i was not aware of c2c, u can create an fd of minimum 35k so that u can apply for basic unsecured cc on c2c basis.
Sorry for grammer sweat_smile

PPS Idiot icici hit the cibil hard for online a/c, so keep that in mind.

https://www.desidime.com/discussions/should-i-close-icici-platinum-cc?page=2#post_9339936

Akashn9

2023-06-14

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Reaper1 wrote:
I opened regular 10k mab a/c online and created an fd of 15k and got instantly platinum cc with 13.5k limit. Then i closed it after 6 months bcz of the same issue of not getting any offer and just after closing it (around 3-4 days) i started getting offers of pre approved loans as well as icici paylater that i didn't got before, now waiting for pre approved cc offers.
P.S i did a mistake of creating 15k fd as i was not aware of c2c, u can create an fd of minimum 35k so that u can apply for basic unsecured cc on c2c basis.
Sorry for grammer
PPS Idiot icici hit the cibil hard for online a/c, so keep that in mind.

Thank you.. I wont create FD for now.. WIll wait for pre approved offer.. Yes even i read they create cibil enquiry for acc opening. so thinking to open new account offline..

https://www.desidime.com/discussions/should-i-close-icici-platinum-cc?page=2#post_9339946

Reaper1

2023-06-14

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Akashn9 wrote:
Thank you.. I wont create FD for now.. WIll wait for pre approved offer.. Yes even i read they create cibil enquiry for acc opening. so thinking to open new account offline..

Try to open via 5 lac cheque for directly wealth account, also u can negotiate, someone here opened wealth with much lower IP.

https://www.desidime.com/discussions/should-i-close-icici-platinum-cc?page=2#post_9339949

Akashn9

2023-06-14

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Reaper1 wrote:
Try to open via 5 lac cheque for directly wealth account, also u can negotiate, someone here opened wealth with much lower IP.

I will try.. Though i have only 1 lac

https://www.desidime.com/discussions/should-i-close-icici-platinum-cc?page=2#post_9523873

Reaper1

2023-08-31

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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?