late payment

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...

Hello All, I am little worried and concern about to not marked late payment for below scenario. I have BOB HPCL credit card, Its due date was 20th Jan 2024, for due amount Rs. 677/- only. I have paid Rs.677/- using cred via axis net banking on morning 20th Jan 2024. In cred app it marked...

I got my bill generated from SBI last month for a total of 3k due on 7th November. I had two cancelled orders from Amazon for which I received a refund of 18k on 19th October. I made another purchase for 12k to replace the cancelled order. Even after all of this, I still had 3k excess to my...

Hello friends I was offered MMT card on upgrade by ICICI, but later I decided to not to activate it. And ICICI customer service executive also said that this will not be reported to CIBIL. But today I got a hard hit by Cibil, my credit score has fallen to 703 from 775🙄. In latest Cibil report...