Cibil enquiry on pre-approved card offer

[marshal]

Namskar all,

I'm using ICICI Bank HPCL CORAL CREDIT CARD since November 2022 i.e. 25 months. Now, on ICICI mobile banking application I got pre-approved card offer for ICICI CORAL CREDIT Card as life time free.
1) I want to know that do they (bank) enquired with CIBIL if I avail the offer and apply for ICICI CORAL CREDIT card?
2) Does this enquiry reflect in my report? Or on applying for card, card will be delivered an direct reporting (monthly/weekly or whatever) will start?
3) Will this new credit card affect my credit score ?

 

[harsh_ujjwal]

Namskar all,

I'm using ICICI Bank HPCL CORAL CREDIT CARD since November 2022 i.e. 25 months. Now, on ICICI mobile banking application I got pre-approved card offer for ICICI CORAL CREDIT Card as life time free.
1) I want to know that do they (bank) enquired with CIBIL if I avail the offer and apply for ICICI CORAL CREDIT card?
2) Does this enquiry reflect in my report? Or on applying for card, card will be delivered an direct reporting (monthly/weekly or whatever) will start?
3) Will this new credit card affect my credit score ?

1. No cibil hit if you avail the offer
2. As no cibil hit, so no enquiry will add up. After you receive your physical card one more account will be created against your data in cibil by ICICI.
3. It won't affect if your Credit Utilisation is under check & bill is paid on time.

 

[doctoramar]

No cibil hit or enquiry if its preapproved.Dont worry about cibil hit of credit card application.If u pay back on time and maintain good credit utilization no issues.

 

[amitvicky]

Like legends have mentioned... No cibil hit) / inquiry
Congrats on your new card.

 

[marshal]

Like legends have mentioned... No cibil hit) / inquiry
Congrats on your new card.

Thanks