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It's not three working days, it's just a three-day grace period.

My last order from Swiggy was on July 27, 2019. Will I get 100 ice creams for free? 🙂

It'll only show overdue as zero. but the late payment will still there. How many days late payment has been reported in your CIBIL?

You paid your credit card bill late, right? This means it will be reported as a late payment, which has already been done. So, what are you waiting for then?

then it should be updated in few days you don't have to do anything else. will see

Did they agree it's their fault, and that everything will be fixed in 21 days?

One report per year is free as per RBI Guidelines. Just check whether you got the latest report or not.

In case you don't want to choose violence😅 you can give them Experian report. You can get it for free from WhatsApp. https://wa.link/eah5rv Just send Hi & follow the next process. It's an official report so it'll be valid for them.

29% Credit Utilisation Ratio? How? You have multiple credit cards right? Itna bhi kya spend kar liye 🙂

But it's not necessary right. Even I don't have a CIBIL Subscription😅 & nowadays enquiries ke bhi SMS aa jate hai free me.

Mazak kar rahe ho ya serious ho ya bank hi aisa hai kuch samajh nahi aa raha. You had a worst experience with IDFC Select right?😂

But if we contact bank directly they usually respond we recieved your payment late so we can't do anything about it. We are not paying directly to IDFC right? we are paying the dues to Amazon so it's their responsibility to make sure everything is done on-time. Happened with me in ZestMoney.

First, try Amazon because they may have additional details to check whether you missed a payment by any chance. If they responded positively then you can show it as a proof for raising a request with IDFC.

Yes they have IDFC too as a lending partner.

Chances of your application getting approved is low because you have only 6 month old credit card. As @Vasuki mentioned you should have atleast more than a year older credit card to get an easy instant 2 min Maggie approval.

You can also try raising a request with Amazon Pay Grievance Redressal Officer Email ID: amazonpay-grievance-officer@amazonpay.in

Raise a request to IDFC Principal Nodal Officer by mentioning all the details & proofs you have. Email ID: PNO@idfcfirstbank.com

I am not sure. Saw a YouTube video about it. Maybe it's upcoming & not launched yet. Still you can try your luck by raising a request with grievance redressal team: Grievance.Redressalcc@hdfcbank.com

You can use this email id: grievanceredressal.creditcards@kotak.com