share your icici card LE journey

[Alex292929]

Please share you icici credit card limit enhancement journey & your utilization pattern.
Also please mention if you have a bank account with icici
Thanks in advance.

 

[0xfallup]

Received ICICI Amazon Pay Card in July 2023 (based on fellow forum member's recommendation) with a limit of INR 11L.

This week (October 2, 2023) Applied for ICICI cards online for ICICI specific discounts (which APAY card is ineligible). On the online application I was offered LTF Sapphiro. There were multiple cards offered on LTF basis. I also saw Emeralde cards.

October 4th I could see the Sapphiro card on mobile app with limit of INR 25.90L


TL'DR;
ICICI APAY card (July 2023) = INR 11L
ICICI Sapphiro LTF (October 4, 2023) = INR 25.9L

Dm them on Twitter to match limits , try it out

 

[1RC]

Dm them on Twitter to match limits , try it out

Nah I am good. I don't use APAY much. But is there any benefit of limit match?

 

[0xfallup]

Nah I am good. I don't use APAY much. But is there any benefit of limit match?

Utlization ratio will be decreased and Cibil may increase , that’s it

 

[Adwait]

Received ICICI Amazon Pay Card in July 2023 (based on fellow forum member's recommendation) with a limit of INR 11L.

This week (October 2, 2023) Applied for ICICI cards online for ICICI specific discounts (which APAY card is ineligible). On the online application I was offered LTF Sapphiro. There were multiple cards offered on LTF basis. I also saw Emeralde cards.

October 4th I could see the Sapphiro card on mobile app with limit of INR 25.90L


TL'DR;
ICICI APAY card (July 2023) = INR 11L
ICICI Sapphiro LTF (October 4, 2023) = INR 25.9L

Is kyc applicable if we already hold apay card?

 

[unit vector]

Is the link icici-cc.ubona.com is a verified one? I already got LE last month.

 

[Kiranonlinee]

Alternatively u can use i mobile app to increase limit

 

[unit vector]

Alternatively u can use i mobile app to increase limit

I checked, no further LE offered. Maybe some technical glitch.

 

[binno]

Is kyc applicable if we already hold apay card?

No .. If upgrade request made through x or cust care

 

[Adwait]

No .. If upgrade request made through x or cust care

But lifetime free is not available through customer care.

 

[binno]

But lifetime free is not available through customer care.

If you have the offer.. They will do it .. Try again or through twitter
I got plat and coral rupay ltf

 

[Adwait]

If you have the offer.. They will do it .. Try again or through twitter
I got plat and coral rupay ltf

I have these two ltf. Require rubyx or saphhairo ltf I have 4.2L limit

 

[binno]

I have these two ltf. Require rubyx or saphhairo ltf I have 4.2L limit

I dont know about those but i shared the method i used for myself

 

[1RC]

Is kyc applicable if we already hold apay card?

Yes. CIBIL hard pull is made + video KYC. All the same procedures. But this time they used an aggregate Finvu to source my salary from my bank account and verify my income.

 

[1RC]

Utlization ratio will be decreased and Cibil may increase , that’s it

So I called up, customer care and they have no clue about this. They say, the credit limit on your APAY remains as is and the new card limit will be different. It cannot be matched.

 

[0xfallup]

So I called up, customer care and they have no clue about this. They say, the credit limit on your APAY remains as is and the new card limit will be different. It cannot be matched.

That’s why I said DM on Twitter ,some people on this forum directly give the best solution possible , so it would be better for yourself only if you go with it 😊

 

[anirban.choudhury]

So I called up, customer care and they have no clue about this. They say, the credit limit on your APAY remains as is and the new card limit will be different. It cannot be matched.

All icici cards share same limit
If you have 5 lakhs on Apay and 6 lakhs in some other card , that means you can only use 6 lakhs in one billing cycle