Two cases of rigidity by banks

[vchouksey80]

Just sharing my experience Today with Amex and ICICI

1. ICICI
I connected with RM to check if I can get EPM as iMobile was showing Emeralde PVC, and have Coral Rupay with 15lac limit
My in-hand salary is 1.93LPM and have salary account, also my employer deduct NPS 8k and parents medical premium approx 9k, which approx makes my salary to 2.15LPM
Still they denied offering me EPM after 2-3 days of following up

I think I should not stay with ICICI anymore they don't care 10 years of salary account loyalty, still they refused my argument

2. Amex MRCC
I have Amex MRCC since a year, and my annual spend comes to 1.47lac and only short by 3k
Still they levied 2.5k membership fee and straight denied waiver off

I said will close the card in case if I charged then they are still fine with that,

So by tomorrow eod I will be out of Amex as with recent devaluations and upcoming one it's not worth it

 

[rajsd]

Just sharing my experience Today with Amex and ICICI

1. ICICI
I connected with RM to check if I can get EPM as iMobile was showing Emeralde PVC, and have Coral Rupay with 15lac limit
My in-hand salary is 1.93LPM and have salary account, also my employer deduct NPS 8k and parents medical premium approx 9k, which approx makes my salary to 2.15LPM
Still they denied offering me EPM after 2-3 days of following up

I think I should not stay with ICICI anymore they don't care 10 years of salary account loyalty, still they refused my argument

2. Amex MRCC
I have Amex MRCC since a year, and my annual spend comes to 1.47lac and only short by 3k
Still they levied 2.5k membership fee and straight denied waiver off

I said will close the card in case if I charged then they are still fine with that,

So by tomorrow eod I will be out of Amex as with recent devaluations and upcoming one it's not worth it

1. Try with PNO and see what they reply. If they say no then give reply saying I had good relationship with you and show what you have with the bank and you'll not continue the relocation as they're not offering you anything.
If again comes Big no then switch.
2. Normally no bank accepts that even for 1 rupees shortfall. In rare cases after mailing many times they may make an exception for only one time.

 

[Anupama_Jha]

Just sharing my experience Today with Amex and ICICI

1. ICICI
I connected with RM to check if I can get EPM as iMobile was showing Emeralde PVC, and have Coral Rupay with 15lac limit
My in-hand salary is 1.93LPM and have salary account, also my employer deduct NPS 8k and parents medical premium approx 9k, which approx makes my salary to 2.15LPM
Still they denied offering me EPM after 2-3 days of following up

I think I should not stay with ICICI anymore they don't care 10 years of salary account loyalty, still they refused my argument

Don't judge the bank based on single interaction. If so, you will find such rejections everywhere.

2. Amex MRCC
I have Amex MRCC since a year, and my annual spend comes to 1.47lac and only short by 3k
Still they levied 2.5k membership fee and straight denied waiver off

I said will close the card in case if I charged then they are still fine with that,

So by tomorrow eod I will be out of Amex as with recent devaluations and upcoming one it's not worth it

Amex recently stopped for everyone. Not only you