ICICI Bank Sapphiro Credit Card Lifetime Free Under Alumni Program : Full Details And Application Link

[quino]

hi, i'm thinking of getting this card through the alumni program. having a few doubts, hoping for help:
Context: this will be my first entry on my credit history. i just tried to get my score by signing up in the cibil website with my Pan card details & they said they can't find any history.

i'm asking because i think it's better to get a pre-approved one (not based on payslip/credit history) for my first cc.
for people who applied through the alumni program (non-upgrade/c2c/leveraging existing relationship with icici cc/bank), did you get any soft/hard pulls on your credit report?

 

[raghu.rokda]

hi, i'm thinking of getting this card through the alumni program. having a few doubts, hoping for help:
Context: this will be my first entry on my credit history. i just tried to get my score by signing up in the cibil website with my Pan card details & they said they can't find any history.

i'm asking because i think it's better to get a pre-approved one (not based on payslip/credit history) for my first cc.
for people who applied through the alumni program (non-upgrade/c2c/leveraging existing relationship with icici cc/bank), did you get any soft/hard pulls on your credit report?

Konse college mai ho

 

[quino]

Konse college mai ho

i've checked my college in this list & it's present there (inst code is inst002x)

 

[raghu.rokda]

i've checked my college in this list & it's present there (inst code is inst002x)

Mil jayega..
This code is your strength and future
Chipane se ni badlega

 

[quino]

i understand ill get it. but im concerned about soft/hard enquiry. does icici do this if i have proper inst code & graduation proofs?

Mil jayega..
This code is your strength and future
Chipane se ni badlega

 

[raghu.rokda]

i understand ill get it. but im concerned about soft/hard enquiry. does icici do this if i have proper inst code & graduation proofs?

Yes

 

[quino]

i'd like to hear from anyone who's applied through a proper inst code, and how it has affected their credit score (hard or soft pull)?

 

[Cj_1907]

Your vKYC has been completed successfully. now wait for the next process.

Received the digitL card. How to get visa variant without closing amex and mastercard?

 

[raghu.rokda]

Received the digitL card. How to get visa variant without closing amex and mastercard?

How to get Amex without closing rupay ?

 

[sharma]

Received the digitL card. How to get visa variant without closing amex and mastercard?

Not possible because I have seen many recent examples where the older variant got closed when it's upgraded to new variant.
If you still want to try try via twitter cc

 

[iAmPm]

i'd like to hear from anyone who's applied through a proper inst code, and how it has affected their credit score (hard or soft pull)?

Any new credit card application will have a hard enquiry except for pre-approved ones. And that is totally normal since this is your first time maybe you are a bit more cautious but it won't affect long or forever to your Credit score.
Don't hold back just because of enquiry if you want the card. It will actually help in building your credit history and eventually increase your score.

 

[quino]

really appreciate your input.
1. yes, that's right im feeling apprehensive, and i'm getting the sense that this alumni thing isn't pre-approved, so if i am going to get a hard enquiry anyways maybe id be better off with some other cc.
2. im also afraid that if i go ahead with this alumni program, ill get rejected. do rejection/approved have different effects on our credit?
2. could you clarify if the pre-approved ones have no enquiry or only soft enquiry?

Any new credit card application will have a hard enquiry except for pre-approved ones. And that is totally normal since this is your first time maybe you are a bit more cautious but it won't affect long or forever to your Credit score.
Don't hold back just because of enquiry if you want the card. It will actually help in building your credit history and eventually increase your score.

 

[pranavcool]

My application stuck from 1 month what to do, should i tell my rm to process it faster as its already been 1 m

 

[BradleyCopper]

ICICI made two enquiries and then rejected my application. Ombudsman it is

 

[raghu.rokda]

ICICI made two enquiries and then rejected my application. Ombudsman it is

Ye to KLPD ho gaya

 

[BradleyCopper]

ICICI made two enquiries and then rejected my application. Ombudsman it is

Any suggestions now?

 

[good_man]

Any suggestions now?

You can approach the Head, Service Quality through grievance resolution mechanism.

 

[iamrafic]

I got Rubyx in August. I'm eligible for Sapphiro LTF based on Salary/Bank Realtionship. How long should I wait before applying for Sapphiro?

 

[Shubham Yadav]

I got Rubyx in August. I'm eligible for Sapphiro LTF based on Salary/Bank Realtionship. How long should I wait before applying for Sapphiro?

Direct mail icici see what they can provide

 

[imdjay]

Direct mail icici see what they can provide

They will say.
"Due to security reasons, we are unable to place a request for upgrading the credit card.
We request to call our Customer Care Number on 1800 1080 to upgrade your credit card."