My friend went to open Regular Savings Account with ICICI
Bank with
10000 Rs Minimum Account Balance in a Small City named
Vijayawada.But,the
ICICI Branch Staff & the Manager are telling that they will open 50000
Rs Minimum
Account Balance Account Privilege Savings Account Only.My friend told
the Manager that he
will open 1 Lakh Rs ICICI Fixed Deposit & Credit Card also from their ICICI
branch if they agree to give Savings account with 10000 Rs
Minimum Account Balance,but the Branch staff & the Manager are Very
Stubborn & NOT Caring at all.My friend asked them that it is clearly
mentioned in ICICI Official Website that a person can open 10000 Rs Savings account
from ICICI Bank from any City,but they are coming up with Silly Excuses like
the
information in the ICICI website is Old and it will be updated later.
The Manager is also claiming that the Lower ICICI Savings Account variants are
stopped PAN India wide also since the past two months.Is this true?
Further,the Manager
is asking for Minimum 4 Lakhs Credit Limit in Other Bank Credit Card in
order to apply ICICI Platinum Chip Credit Card on Card to Card
basis.My friend is Self Employed & he does not have ITR,so Card to
Card basis the Only way for him to get an Unsecured Credit Card.My
friend has only around 1 Lakh Limit in his HDFC Credit Card.Demanding 4
Lakhs Credit Limit on Other Bank Credit Card to apply Basic Platinum
Card on Card to Card basis,looks like ICICI is living in a different
Universe.
My friend aims to get Amazonpay Credit Card on the basis of using ICICI Platinum Chip Credit Card in the future.My friend is interested in adding ICICI Credit Card to his Cards Portfolio and he already has Credit cards from all other Top banks except ICICI.
The
Manager is telling that it is his discretion & only upon his
invitation only the accounts will get opened & that too only 50000
MAB accounts only get opened in his branch.Since the Manager is Egoistic & showing his Careless Attitude.My
friend wrote the matter to ICICI Bank Social Media team,but the Useless ICICI
Social Media are connecting
Conference Call with that same Branch manager just to Support the Manager on Call
&
Reconfirm
whatever the Manager is already telling.ICICI Social Media Team also
told it is the Branch Manager decision to keep whatever rules he want
& also
denied to give the details of the Zonal/Head Office located in the
city.My friend sent Email to the
Manager to confirm whatever he is telling as reply email,but the
Manager is not sending reply email & instead telling that their
Corporate team will send email in Couple of Days.My friend
escalated the matter to Nodal officer of ICICI,but the Nodal office are
just delaying the reply.These issues were also raised with National Consumer helpline
and PG Portal.
The same branch gave 10000 Rs Savings account to many other
Customers.But,they are denying to give the same account to my
friend.After speaking with ICICI Social Media team,my friend is telling
that that it looks like the ICICI Bank branch is not working for ICICI
brand,but the ICICI is working at the Mercy of their Bank branch.
My friend already has Savings accounts from all other Major
banks.So,Give your Valuable Suggestions to help my friend to open 10000 MAB account with ICICI rather than
asking to open account with another bank.
Not sure about initial funding but last week and a week before that I visited icici branch to open a savings account for my mother but they clearly denied they have received instructions from top not to open any new account..even digital account opening is not working, it is asking to visit branch
Something phisy going on
It looks like they are undergoing some major changes due to which new account opening is on hold.
Better wait for some time and try again later.
ICICI is gradually consolidating it's business unlike other smaller private banks who are focusing on increasing customer base by giving attractive offers which are with after few years.
ICICI has passed through that initial phase of increasing customer base and now focuses on maximizing returns.
ITR is the only recognised income proof of non salaried individuals. Banks normally do not issue credit cards to individuals without an ITR or a document indicating regular source of income. Only under special campaigns to increase customer base, they issue credit cards without ITR or salary slip