What happened to ICICI Pre -approved offers

[SMS91]

Last month, I checked the iMobile app, and it showed a lot of pre-approved loan offers. Now, I want to check a car loan offer, but the pre-approved page only shows a 10k pay-later offer. Is this the same for everyone, or did they withdraw the pre-approved offer for me only?

 

[Tejo]

Last month, I checked the iMobile app, and it showed a lot of pre-approved loan offers. Now, I want to check a car loan offer, but the pre-approved page only shows a 10k pay-later offer. Is this the same for everyone, or did they withdraw the pre-approved offer for me only?

The offers changes depending on report as soon as icici refresh cibil report (soft pull) from their end

 

[Vasuki]

cibil report (soft pull)

When do HDFC usually do soft pull..
No offer for me in this new quater

 

[Swastik]

When do HDFC usually do soft pull..
No offer for me in this new quater

Routinely i think ,i keep getting personal loan offers from HDFC vai mail ,SMS ,App notification, etc atleast 10 times per day ,

And it shows I'm appeoved for upto 6L in loan ,which is my highest card limit by ICICI ,

Till last year my limit was 5L on ICICI and at the time HDFC used to offer me loan of upto 5L

 

[Vasuki]

Routinely i think ,i keep getting personal loan offers from HDFC vai mail ,SMS ,App notification, etc atleast 10 times per day ,

And it shows I'm appeoved for upto 6L in loan ,which is my highest card limit by ICICI ,

Till last year my limit was 5L on ICICI and at the time HDFC used to offer me loan of upto 5L

Here I m not getting a one per approved offer in last quater

 

[Swastik]

Here I m not getting a one per approved offer in last quater

Well to be honest most these offers are pretty useless, personal loans and loan on card ,
So you're not missing anything

 

[Tejo]

When do HDFC usually do soft pull..
No offer for me in this new quater

Mostly you get offer in 3rd month of the quarter.

Hdfc will do monthly, not sure. But it depends on branch, area, ac variant, occupation etc.......

 

[Swastik]

Here I m not getting a one per approved offer in last quater

You know what really grinds my gears with HDFC ,

HDFC was offering me 5 lakh personal loan for most of last year ,few months back ICICI increased my credit limit from 5.1 L to 6.1 L ,and now since last month HDFC has started offering me personal loan of 6 lakhs

And all the while they won't increase my credit limit from 1.16 lakhs or give me an upgrade

So they know my credit worthiness, they just don't want to give me anything worthy

 

[Vasuki]

You know what really grinds my gears with HDFC ,

HDFC was offering me 5 lakh personal loan for most of last year ,few months back ICICI increased my credit limit from 5.1 L to 6.1 L ,and now since last month HDFC has started offering me personal loan of 6 lakhs

And all the while they won't increase my credit limit from 1.16 lakhs or give me an upgrade

So they know my credit worthiness, they just don't want to give me anything worthy

Intresting that .

 

[Swastik]

Intresting that .

Moreover ,since yesterday HDFC is offering me 7.5L personal loan ,this is new ,since earlier HDFCs Loan amount always corresponds to my Highest limit on card(Usually ICICI)

I'm not sure how came up with this number

Still won't give me LE or Upgrad 😮‍💨

 

[SSV]

Last month, I checked the iMobile app, and it showed a lot of pre-approved loan offers. Now, I want to check a car loan offer, but the pre-approved page only shows a 10k pay-later offer. Is this the same for everyone, or did they withdraw the pre-approved offer for me only?

Don’t worry, you will get all your offers back soon..
They periodically refresh and when they refresh there will be temporary halt on the offers.
Depending upon your relationship with ICICI and CIBIL profile offers may be upgraded /degraded from the perspective of limits..
Example:
I used to have 67 L home loan offer several months ago and now I have 94L instant home loan offer..

 

[SplendorSuperman]

HDFC is giving 10L Preapproved Bike Loan and 5L Flexible Pay offer but no Preapproved CC offer yet.

 

[Vasuki]

HDFC is giving 10L Preapproved Bike Loan and 5L Flexible Pay offer but no Preapproved CC offer yet.

I too got 6 lakh pre approved bike loan earlier .
Now gone
No cc offering

 

[SplendorSuperman]

I too got 6 lakh pre approved bike loan earlier .
Now gone
No cc offering

Similarly ICICI offered their every offering from Home Loan to Auto,Education,Paylater last quarter.
This time only Home Loan &Paid Emeralde 🙂

 

[Indian]

HDFC used to give all offers but last six months only 10Lakhs two wheeler loan in the offer section ( may be busy with devaluation ) , ICICI also not showing any preapproved offer except emerald and pay later. AXIS showing all offers CL. TL, PL and LOC ,insurances

 

[sidp]

You know what really grinds my gears with HDFC ,

HDFC was offering me 5 lakh personal loan for most of last year ,few months back ICICI increased my credit limit from 5.1 L to 6.1 L ,and now since last month HDFC has started offering me personal loan of 6 lakhs

And all the while they won't increase my credit limit from 1.16 lakhs or give me an upgrade

So they know my credit worthiness, they just don't want to give me anything worthy

They want to spend on low rewarding card, so they can earn more. 🤭

 

[Pollex]

mere saath bhi same hua, but maine emi pe samaan kharida hai toh shayad isliye its gone.

 

[Vasuki]

Similarly ICICI offered their every offering from Home Loan to Auto,Education,Paylater last quarter.
This time only Home Loan &Paid Emeralde 🙂

I m devoid of any offer

 

[Pollex]

I m devoid of any offer

syphillis se peedit ho kya bhau?

 

[Vasuki]

syphillis se peedit ho kya bhau?

Nahi Tumor in Badal ganglia