TechnoFino - #1 Community Of Credit Card & Banking Experts

They will definitely report,



A ONE ON-TIME PAYMENT (0).

You can call them and request about this.. by telling you did a genuine mistake and corrected it when you realised..

@gamersgzb Will they report it even though it's within 3 days? It's just 176 rupees, though. I thought ICICI or any bank wouldn't report it if the payment is made within the 3-day grace period after the due date.

@4uziaul @VISHESH_BANSAL

i am not sure as have not faced it.. but have read on the forum that people have called customer care and requested for the same.. will let others respond to your query..

I encountered a similar situation with HDFC Bank some time ago, and they didn't report it. You can call them to confirm because I did the same back then, and they assured me it wouldn't be reported.

alirght thanks @gamersgzb @4uziaul time to call ICICI for the first time..

Be ready for a long wait time. 🤣

@4uziaul ohh can i tweet them instead and they would call me instead like how IDFC called me just i left a message there.

■
Card-issuers shall report a credit card account as 'past due' to credit information
companies (CICs) or levy penal charges, viz. late payment charges and other related
charges, if any, only when a credit card account remains 'past due' for more than three
days.
■
The number of 'days past due' and late payment charges shall, however, be
computed from the payment due date mentioned in the credit card statement.

Due Date- 24th -1st Day

25th- 2nd Day

26th-3rd Day

So as per my interpretation, your credit card account remains 'past due' for more than three days as of 27th September, hence Bank can report it.

Better to call and confirm, rather than wait for them to call.

@4uziaul i called them and then in the middle call got disconnected.

Call again 😄