Pickle or Sabzi?

[cardex]

Just got my first C2C , ICICI platinum chip card, I am so filled with joy that I feel like 😭.

They have given me a C2C limit of 40,000, that is about 50 % cutdown on my C2C card.

So magnanimous of them, truly.

So, suggest me iska main achar daloon ya sabzi pakau?




WTF... seriously ICICI!!!

 

[SSV]

Perhaps, but as I said, I'm not a full KYC customer of Amazon. So how on earth am I identified as the same person at the two places?!

We are in the age of big data....
there are so many algorithms to try and match very unstructed data as well....

 

[Trust Me]

No I was suspecting AMAZON...but wanted some clarity before blabbering

Only two parties were being talked about, Amazon and ICICI. .

 

[SSV]

I am with amazon pay more than 5 years now, took paylater facility, yet was rejected for Apay card twice.

any BNPL is toxic and is not regarded as a positive credit worthy profile, in fact it is seen by the lenders that this cusotmer is unfavorable to their business...

 

[SSV]

Only two parties were being talked about, Amazon and ICICI. .

if you want any opinion lets be straight.. I asked the question to clarify myself before giving my pinion... Lets not drag this any more

 

[cardex]

We are in the age of big data....
there are so many algorithms to try and match very unstructed data as well....

BTW is snappay safe, tried to register , asking adhar data, I read that they have reenabled cc to upi latest

 

[SSV]

BTW is snappay safe, tried to register , asking adhar data, I read that they have reenabled cc to upi latest

I don't use any of that crap...
I already regret to subscribe to mobikwik.. Had I not been on this fourm , I would nolt have subscribed to even mobikwik..

 

[Trust Me]

DId you use same phone number?

Nope. But I might have sometimes called Amazon from a common number, -- I can't remember. Things are turning out to be more sinister than I'd imagined!

 

[plastikman]

what happens with regard to co-branded CCs...

we will take an example of Amzon and ICICI..

when a customer starts spending on Amazon... it start profiling the customer...
How many orders, frequency, type of purchases, mode of payments, volume of business, prime or not etc. etc. etc..
WIth this they will categorise the customers in to different buckets...
because they are not into lending business, they partnered with ICICI

So they provide non-identifiable dat to ICICI according to the category...

What ICICI does, if the customer is already their customer and Amzon gives high grade to the same customer then, the decision will be very favourable with regard to the outcome as well as CL..

In this case, what ICICI brings to the table is: Their existing customers to drive to the Amazon for shopping with offers.
what Amazon does is they introduce a non ICICI well profiled customer to ICICI..
that is how they co-ordinate without breaching any personally identifiable data...

I can write more but I will stop it her as my fingers are sore..

Their decision matrix seems to be too complex to be put in a few words. In my case, all my family members have APay card with great limits but only one Prime account is used. Common sense would dictate that at one address, they won't be able to convert all users to Prime but instead they approved 3 cards out of which only 1 is mostly used to garner the 5% cashback 😃

 

[cardex]

Nope. But I might have sometimes called Amazon from a common number, -- I can't remember. Things are turning out to be more sinister than I'd imagined!

I don't use any of that crap...
I already regret to subscribe to mobikwik.. Had I not been on this fourm , I would nolt have subscribed to even mobikwik..

I don't use any of that crap...
I already regret to subscribe to mobikwik.. Had I not been on this fourm , I would nolt have subscribed to even mobikwik..

so how do you pay cc bilss like?

 

[Rocky Bhai]

So, suggest me iska main achar daloon ya sabzi pakau?




WTF... seriously ICICI!!!

 

[SSV]

Nope. But I might have sometimes called Amazon from a common number, -- I can't remember. Things are turning out to be more sinister than I'd imagined!

There is nothing sinister . it is all in our minds.. there is nothing we can do about it..
we are in a very connected world and the information being passed and exchanged literally in realtime ... If we want to avoid this we have to literally live in forests...
If we want to lead a normal life our inforamtion is shared and viewed by every tom and dick , lets not talk about the law enforcement authorities...
Everywhere data is exchanged...with our explicit or implicit permission.. There is no point in discussing this any further because we just can't do anything about it..

 

[SSV]

so how do you pay cc bilss like?

HDFC Bill pay

 

[cardex]

HDFC Bill pay

Do they intimate regarding successful credit to cc account as and when, or just a successful message after submitting pay button?

 

[SSV]

Do they intimate regarding successful credit to cc account as and when, or just a successful message after submitting pay button?

it will take somewhere between 3 to 7 days to credit to the card.

 

[Trust Me]

tumhare moon me ghee shakkar. 1 crore

Sssshh! Did I hear the IT people licking their lips too? .

 

[cardex]

Sssshh! Did I hear the IT people licking their lips too? .

No they are busy atm with opposition parties😆

 

[SSV]

No they are busy atm with opposition parties😆

you forgot to inlcude CB*, Enfor D, what not ...

 

[Trust Me]

... what was your usage pattern in 6 months? Like you stayed within 30 % limit or reached max limit so that take note and LE?

Far from reaching the max limit, didn't even approach 30%. But had been a frequent user.

 

[Rocky Bhai]

You're still noob lol. I was telling the reality. Mujhe kya hai tumhe 1 Cr bhi limit milegi toh🤷🏻‍♂️

Isko 1cr limit mil Jaye to batana tab tak mast so k aata hu 🤣

 

[Trust Me]

Even amazon can offer pre-approved kind if someone has good spending on amazon

I don't think Amazon can go that far without tacit approval from ICICI. Their CC offers always have disclaimers to that effect.