late payment

Hi Guys, I need some suggestions. My brother took an add-on credit card under my name but didn’t pay his bill on time, resulting in 27 late payments. Eventually, he settled the outstanding amount through a settlement. Later, I realized I was listed as an authorized user on that card, and now...

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I missed my HDFC credit card due date by one day (yesterday was the due date, and I paid the full amount today). Will this impact my CIBIL score, and how can I check if it’s considered a late payment?

By mistake, I missed my Bobcard payment by 7 days. Now, they have charged me a late payment fee of ₹750 + GST. I have requested them to reverse the fee. I am not worried about the payment but more about any negative impact on my credit score. I have cleared the dues today. Will they still...

Hello I have two credit cards from Stand.ch. bank. Card A and card B with a shared credit limit. instead of paying to card A i paid to Card B, that's why they charged a late payment fee. what can i do now , I mailed to nodal officer but he refused to reverse the charges.

Hello team i took loan from liquiloans and my emi date is 5th i put ecs mandate but due to insufficient funds it is not debited i have added funds on the same day and tried to pay Emi manually but their website froze the manual payment on 6th i have paid manually now i am not sure whether my...

Yes you read that right! HDFC actually marked an Loan EMI as late payment for making an advance payment. So let me explain in detail... I have an Home Improvement Loan for which my account is automatically debited on every 15th through NACH Mandate. On 26th August I made a request for two...

I have recently taken a home loan on which the uco bank has reported my cibil checking charges payment to be overdue of 1 day. This made my cibil score decrease by 24 points( 784 to 758). I did not received any sms or email from the bank or the Branch manager that it is overdue but now when i...

I am using AU LIT credit card and I wanted to understand regarding the interest charges levied in my statement. My overall due amount is 155000 and I paid 150000 within the due date timeline and paid the remaining amount after 4 days from the due date. For this late payment Bank has levied...

Bill generated on 16 Aug for 43191.49 and due date was 3 sept. Paid 43200 on 26 Aug and same was showing on app and netbanking after 2-3 days of payment. When today i checked the statement, i saw that i was charged 1200+gst for late payment fee on 12 sept. Already mailed to SC, now waiting for...

Today I’m surprised to see I’ve been charged late fee for the latest statement and the previous payment was not settled, was not revised either. My previous bill was 7109.2 and I paid this bill using cred. I got an instant message the amount has been settled against limit. Now I’m getting this...

We have a business loan from SBI. The last EMI before the loan was closed shows up as a late payment in ALL our credit reports. As in all 5 promoters and the business for each credit reporting agency. So thats 6x4 = 24 credit reports. How to go about resolving this in the quickest way...

Hi guys i made a late payment by 7 days And cibil dropped to 704 from 778 Now amex is not removing it Can i get it removed after 7 years or it will remain forever? @SSV @vaibhav111 @anirban.choudhury @Subhankar @walterwhite @Wealth is my birth right!

Guys, I need some advise. I had unicard and unipaycheck pro loan. I defaulted one paycheck payment as I was hospitalized. My cibil score drastically reduced. Later I contacted unicard they told me to submit medical bill and they will waive off late fee and remove the late payment entry from...

Hi All, I had a Standard Chartered Bank credit card that expired around Dec 2021. There was some amount due and I was expecting a refund from a third party due to which I was under the impression that it would clear it all but unfortunately, there was a due of around INR 1100 which I missed...

Hi, I have been using credit card since last 5 years and last month I somehow missed my ICICI credit card bill payment. As soon as I realised I made the payment. Can I ask ICICI Bank to reverse the fees as a one time exception.

Hello Genius, I need your advise to take next step for below scenario. I had RBL world Safari Card. I made transaction of Rs. 55000/- on 5 Non 2022 I also redeem reward point and it charged me Rs.99 + Rs 17.82 paisa Now total due amount is Rs. 55116.82/- on due date 9 Dec 2022 I paid total...

Dear members, Recently I got SBI BPCL rupay credit card as additional card to my 1+ yo Cashback credit card as an offer was going on in app. The card was instantly approved and issued on 19 December, January 4 was the statement date, 23 January was the payment date. I rely on Cred to pay...

My uneducated brother has neither English nor finance knowledge and has 4 late payments ranging from 25 days to 45 days. My relative and my brother went to Sundaram Finance to get a loan for an automobile. My relative is a defaulter, which we didn't know until now. While processing the loan, my...

I had a ICICI credit card which I had closed in Jan 2021 by reporting it as lost. Now on 19 Jan 2024, I received a statement for that card with due amount as Rs. 59 and due date as 6 Feb, 2024. There is one txn for 29.5 Rs for Reward redemption charges on 21 Dec 2023. Statement also shows...