Eligibility Criteria for ICICI Emeralde Private Metal - Discussion

[satty]

how many months of salary slip and account statement were needed?

For me it was 3 month's salary slip + 6Months salary credit statement

 

[m4b]

Sadly if an application is stuck at application login stage for over a week, it will most likely be rejected. Happened with me.

Did you confirm with the RM?

 

[idharkyadekhraha]

Sadly if an application is stuck at application login stage for over a week, it will most likely be rejected. Happened with me.

What did you do in that case?

 

[abhiaj_geek]

Did you confirm with the RM?

N O .

See the reason is RMs sometimes apply for this cc without getting all the permissions beforehand like a normal cc.
It doesn’t work like that, first they need to get required permissions and then apply for cc.

 

[m4b]

N O .

See the reason is RMs sometimes apply for this cc without getting all the permissions beforehand like a normal cc.
It doesn’t work like that, first they need to get required permissions and then apply for cc.

I already got an acknowledgment for EPM over a mail before proceeding. Did you get the similar mail?

 

[Nishan11]

Sadly if an application is stuck at application login stage for over a week, it will most likely be rejected. Happened with me.

When my epm was approved last year,I am glad I didn't had to deal with this.

Saw on twitter that many are stuck at application login stage from months.

Today only saw some are stuck at sanction stage from 10-15 days without update.

 

[m4b]

When my epm was approved last year,I am glad I didn't had to deal with this.

Saw on twitter that many are stuck at application login stage from months.

Today only saw some are stuck at sanction stage from 10-15 days without update.

Let’s wait for actual reasons without speculating.

 

[m4b]

Let’s wait for actual reasons without speculating.

The RM and the CC team both respond to my queries. I have little faith 🙃

 

[m4b]

The RM and the CC team both respond to my queries. I have little faith 🙃

Today my application is actually submitted 🤣, I confirmed the informations and agreed to MITC.

 

[abhiaj_geek]

Today my application is actually submitted 🤣, I confirmed the informations and agreed to MITC.

any update on ilens?

 

[m4b]

any update on ilens?

 

[theXfactor]

View attachment 104454

Never couldn't figure. For some people, RM didn't even have the application process initiated in iLens but received the EPM.

 

[Nishan11]

Anyone's EPM got approved this week ?

My friend's application is still stuck at sanction stage from last Saturday & he has some upcoming international travel. So he wanted to use this for milestone completion.

As of now he holds SBI Aurum, ICICI Amazon Pay, PNB Rupay Select & DCB ( PVC ) LTF.



Update :- He just spoke to his RM, it's at underwriting recommended stage.

 

[pranjal1984]

EPM approval and sanction in ICICI is like taking a big ticket Personal Loan. It is good that ICICI is not diluting the requirements. Card benefits are retained without much devaluation.

 

[m4b]

EPM approval and sanction in ICICI is like taking a big ticket Personal Loan. It is good that ICICI is not diluting the requirements. Card benefits are retained without much devaluation.

I still don't understand statements like this! I mean, how come an absurd and non-transparent system is correlated to a BIG THING 🤦‍♂️.

 

[pranjal1984]

I still don't understand statements like this! I mean, how come an absurd and non-transparent system is correlated to a BIG THING 🤦‍♂️.

Because they don't want to give the card to all who apply . Their strict system is filtering out applicants whose in hand salary is less than 3 lpm. So it is ensuring on-boarding of quality customers. However even then if they devalue, then nothing to say.

 

[m4b]

Because they don't want to give the card to all who apply . Their strict system is filtering out applicants whose in hand salary is less than 3 lpm. So it is ensuring on-boarding of quality customers. However even then if they devalue, then nothing to say.

Lmao again this is not the case just pure hype or inefficient system. Nothing come close to SBI Cards on how they sanction every card.

 

[Nishan11]

EPM approval and sanction in ICICI is like taking a big ticket Personal Loan. It is good that ICICI is not diluting the requirements. Card benefits are retained without much devaluation.

Requirements are fulfilled. Still eligible customer are stuck with their application. Need to keep following up with RM.


Still for me, worst is hdfc, though I hold their DCB Metal, which is my favorite card.

 

[m4b]

Requirements are fulfilled. Still eligible customer are stuck with their application. Need to keep following up with RM.


Still for me, worst is hdfc, though I hold their DCB Metal, which is my favorite card.

Yea HDFC is the worst. We are just witnessing the new era of ICICI. Miles to go.

 

[pranjal1984]

Requirements are fulfilled. Still eligible customer are stuck with their application. Need to keep following up with RM.


Still for me, worst is hdfc, though I hold their DCB Metal, which is my favorite card.

In that case, it is unfortunate. ICICI has always been too strict with my applications so far. In comparison HDFC has been decent with my applications giving upgrade to DCB within two years .