I don't know if it'll be helpful to many people. But I'm still posting my ICICI CC journey here, in case anyone gains something.
Happy to answer any and all questions in comments.
Chronology -
2019: First CC. Regalia First in 2019 April. Limit - 4L based on 60k salary (WITCH company)
2019 end: First ICICI CC. Amazon Apay in 2019 end. Applied on the app. Limit 5L based on Regalia.
2022: Wanted Sapphiro LTF (alumni program), so opened a Wealth savings account.
LE: 5L -> 8L based on salary slips.
2023 April: Auto LE in app - 8L -> 9.6L in 2023 April.
2023 Sep: Wrote to PNO for LE. Denied. Asked to wait for 6 months.
2024 April: Wrote to PNO 10 days ago. Used my ITR of 2022-23 to request LE from PNO.
Note - PNO called back and requested latest ITR and salary slips. I denied. They said they'll consider old ITR. Also said that LE may or may not be given.
Today: Checked transaction email. Available limit is now 15L.
LE: 9.6L -> 15L. Now waiting for PNO email for extra confirmation.
I'm a happy ICICI customer.
Side note: I haven't maintained Wealth savings account MAB for 6 months now. Account hasn't been degraded yet.
Happy to answer any and all questions in comments.
Chronology -
2019: First CC. Regalia First in 2019 April. Limit - 4L based on 60k salary (WITCH company)
2019 end: First ICICI CC. Amazon Apay in 2019 end. Applied on the app. Limit 5L based on Regalia.
2022: Wanted Sapphiro LTF (alumni program), so opened a Wealth savings account.
LE: 5L -> 8L based on salary slips.
2023 April: Auto LE in app - 8L -> 9.6L in 2023 April.
2023 Sep: Wrote to PNO for LE. Denied. Asked to wait for 6 months.
2024 April: Wrote to PNO 10 days ago. Used my ITR of 2022-23 to request LE from PNO.
Note - PNO called back and requested latest ITR and salary slips. I denied. They said they'll consider old ITR. Also said that LE may or may not be given.
Today: Checked transaction email. Available limit is now 15L.
LE: 9.6L -> 15L. Now waiting for PNO email for extra confirmation.
I'm a happy ICICI customer.
Side note: I haven't maintained Wealth savings account MAB for 6 months now. Account hasn't been degraded yet.
