u/Accomplished_Shop212

I’ve been using ICICI Bank credit cards for more than 3 years and have never missed or delayed a single payment.

I currently have two ICICI cards:

• Amazon Pay ICICI: Limit reduced from around ₹11 lakh to ₹3.5 lakh
• ICICI Sapphiro: Limit reduced from around ₹8 lakh to just ₹56,000

On top of this, I had approximately 75,000 ICICI reward points, which are now showing as 0.

Initially, I only received an SMS/email saying that the credit limits had been revised as part of the bank’s internal/periodic credit limit assessment. Customer care also isn’t giving me any specific reason for such a massive reduction.

However, I have now received another email from ICICI stating that they have observed “repeated transactions indicating possible business or commercial expenses instead of personal use.”

They have temporarily stopped the accrual/redemption of reward points and have asked me to provide supporting documents within 15 days, failing which they say the card may be blocked.

The problem is that, as far as I am concerned, my cards are being used for personal expenses and this appears to have been incorrectly flagged. ICICI has also not clearly told me:

1. Which exact transactions have been classified as commercial/business usage?
2. What criteria or transaction pattern caused my account to be flagged?
3. Why were my limits reduced so drastically despite my repayment history?
4. Why were approximately 75,000 accumulated reward points removed from my account?
5. Whether those reward points will be restored once the review is completed.

Going from an ₹8 lakh limit to ₹56,000 on Sapphiro is an extremely significant reduction, especially when I have maintained the cards properly for more than 3 years without missing payments.

I’m planning to raise a formal dispute with ICICI and provide whatever documents they require to establish the personal nature of the transactions.

Has anyone here faced a similar issue with ICICI?

If yes:

• What documents did ICICI ask you to provide?
• Were you able to get your credit limit restored?
• Were your reward points reinstated?
• Did you have to escalate it beyond normal customer care?

I recently applied for an SBI credit card and my application was under process. My home verification was completed, but they also wanted to do physical office verification for job confirmation. During that time, I was travelling outside India for around 13 days, so I informed them that I would not be available and requested them to verify my employment using my salary slips or any other required documents. However, they insisted on physical in-office verification only.

Since I was on vacation and could not check emails regularly, I later found out that my application was rejected with the reason mentioned as “unresponsive.” What is frustrating is that two SBI Card enquiries are showing on my CIBIL report during this period, and my score dropped by around 10 points. I did not get the card, but my credit score still got impacted because of the enquiries.

I wanted to understand if there is any way to get SBI to reconsider or reopen the same application, or if I should raise a complaint with SBI Card/CIBIL regarding the repeated enquiry. Also, what would be the best way to recover my CIBIL score and improve my chances of getting the card in the future?

PS: My credit history is good and my CIBIL score before this was 795.