Missed CC Payment

[coinhunter]

I was wondering how bad that "missed payment" will affect your CIBIL score. I forgot to pay one of my credit card bills and when I got a call from the bank reminding me of the payment, I paid it immediately. Of course, this has incurred penalty charges already.

 

[Slayer]

I think you should use cred to keep track of cc bill payments and whatnot

 

[coinhunter]

Yeah, just found that out. Installed already. Was wondering now how that one "missed payment" will affect my score.

 

[007007 is verified member.]

I was wondering how bad that "missed payment" will affect your CIBIL score. I forgot to pay one of my credit card bills and when I got a call from the bank reminding me of the payment, I paid it immediately. Of course, this has incurred penalty charges already.

Add more details like which bank credit card and by how many days was the payment delayed.
The impact depends on the number of days your payment was due for. Also you can request the bank to not report it depending on your relationship, past (timely) payment history etc. and most banks consider, if you aren't a regular offender.
The best way to not miss CC payments is to set monthly bill payment reminders on Calendar app, that too on bill generation date (not on due date).

 

[coinhunter]

Add more details like which bank credit card and by how many days was the payment delayed.
The impact depends on the number of days your payment was due for. Also you can request the bank to not report it depending on your relationship, past (timely) payment history etc. and most banks consider, if you aren't a regular offender.
The best way to not miss CC payments is to set monthly bill payment reminders on Calendar app, that too on bill generation date (not on due date).

HDFC Intermiles Card. Overdue by 4 days only. This is my first time I missed payment.

 

[Batmanbaba]

HDFC Intermiles Card. Overdue by 4 days only.

Bank dont report upto 3 days.....

 

[vaibhav111vaibhav111 is verified member.]

HDFC Intermiles Card. Overdue by 4 days only. This is my first time I missed payment.

Earlier it was 3 day now to upto 10 days it mentioned in the statement

 

[CMGCMG is verified member.]

Ran a simulation in cibil for missing 30 days

 

[007007 is verified member.]

HDFC Intermiles Card. Overdue by 4 days only. This is my first time I missed payment.

Try your best to convince them to not report the late payment. Mail at:
Level 1: customerservices.cards@hdfcbank.com
Level 2: escalation.cc@hdfcbank.com
Level 3: grievance.redressalcc@hdfcbank.com
Level 4: priorityredressal.creditcards@hdfcbank.com

4 days delayed payment shouldn't impact much but can't say for sure!

 

[007007 is verified member.]

Ran a simulation in cibil for missing 30 days

View attachment 4344

Try for 4 days and share! 👀

 

[CMGCMG is verified member.]

Try for 4 days and share! 👀

Can't. minimum is 30 and maximum is 90

 

[007007 is verified member.]

Earlier it was 3 day now to upto 10 days it mentioned in the statement

Correct. Found this in HDFC CC statement:

Still, I will advice to mail them.

 

[coinhunter]

Thank you for the details.

 

[MAHESH9D]

I MISSSED A PAYMENT OF 24 RS BY 10 DAYS .. WILL IT IMPACT CIBIL

 

[HB25]

I MISSSED A PAYMENT OF 24 RS BY 10 DAYS .. WILL IT IMPACT CIBIL

yes.

 

[Infiniti]

I MISSSED A PAYMENT OF 24 RS BY 10 DAYS .. WILL IT IMPACT CIBIL

definitely

 

[anirbanm]

No, 24 Rs. might not affect given that the minimum due was paid, if not, it should affect.

I MISSSED A PAYMENT OF 24 RS BY 10 DAYS .. WILL IT IMPACT CIBIL

 

[MOhit __]

ICICI did not send me the March statement of my CORAL card via email, so I missed the payment.
CRED did not notify me of the payment due,
In April's statement, late payment charges of Rs. 118 are shown, I paid the amount immediately (360 Rs. April's statement), this is the first time I have missed a payment in the last 5 years of my credit card history.

Will the bank report the late payment to CIBIL? @VISHESH_BANSAL @4uziaul @SSV @Everyone

 

[VISHESH_BANSAL]

Will the bank report the late payment to CIBIL?

Yes 🙃

Keep a Habbit, Clear the Petty txns Card Due as soon as Goods/Services are received against such txns.

Left the outstanding only on your Primary Card, Primary Card ka koi nhi bhulta , sirf petty txns wale Card rha jaate hai🙃

 

[Shubham Yadav]

Yes 🙃

Keep a Habbit, Clear the Petty txns Card Due before bill Generation.

Left the outstanding only on your Primary Card, Primary Card ka koi nhi bhulta , sirf petty txns wale Card rha jaate hai🙃

Waste material one card k sath yahi krta hu

Date change nhi krne de raha h

sirf 14 or 20 hi de raha h

1 se 3 k bich chahiye