Bill overdue and cards are blocked

[Tazact]

My due date was on 02 Nov 25 which was missed (thanks to cred which i trusted most) and i acknowledged it when SC sent sms for overdue on 04 Nov 25 for ₹350.
Also i was struggling to use SC cards( i have 3 ) from last 1 day as every payment was getting failed without any appropriate reason from bank.
After getting SC overdue SMS i connect to support team & they told me that one card was blocked due to bill overdue & another two cards also blocked in view of first.
I told them their is still 2 days of Grace period left (4 & 5) how could bank block cards without any communication that too within grace period.of 3 days? She told that bank counts grace period within due date ! And once the payment was settled your cards would be auto unblocked.
I immediately paid ₹350 due amount.

So how fare is SC here & what are the standard practices followed by banks in overdue cases?
Should i approach to BO of RBO?

 

[drsel]

You should close down all standard chartered cards.
there are far far better ones, even some free ones like Indusind tiger, Jupiter edge Plus are better

 

[Tazact]

You should close down all standard chartered cards.
there are far far better ones, even some free ones like Indusind tiger, Jupiter edge Plus are better

I am seriously thinking about it.
SC is simply pain in the a**

 

[Kabir_1112]

This is common with SC. Happened with me for Rs 350 which was supposed to be refunded and it did not even after 10 days of failed transaction and so I made a short payment considering this 350 will come back and it will be refunded and it did not before due date. Almost 5 days card was blocked even after payment being credited. This is very common and after this I had same issue multiple times as even bill desk payment took more than 5 days at times for SC cards.

Good thing is I did cancel my card.

My due date was on 02 Nov 25 which was missed (thanks to cred which i trusted most) and i acknowledged it when SC sent sms for overdue on 04 Nov 25 for ₹350.
Also i was struggling to use SC cards( i have 3 ) from last 1 day as every payment was getting failed without any appropriate reason from bank.
After getting SC overdue SMS i connect to support team & they told me that one card was blocked due to bill overdue & another two cards also blocked in view of first.
I told them their is still 2 days of Grace period left (4 & 5) how could bank block cards without any communication that too within grace period.of 3 days? She told that bank counts grace period within due date ! And once the payment was settled your cards would be auto unblocked.
I immediately paid ₹350 due amount.

So how fare is SC here & what are the standard practices followed by banks in overdue cases?
Should i approach to BO of RBO?

 

[Tazact]

Ohhhh
Any cibil downgrade or any penalty/ interest charged?

 

[Kabir_1112]

Ohhhh
Any cibil downgrade or any penalty/ interest charged?

Penalty yes, but no cibil effect. Though after due date for 3-4 days used to get calls from bank recovery agent for payment and asking me when will I pay.

 

[Tazact]

Update is :
Cards are auto unblocked after 3 days of BBPS payment.
Even though i paid billed amount in second day of Grace period; ideally their should not be any penalty or cibil reporting 🤔 but its SC which is a hell bank .

 

[Kabir_1112]

They take time to unblock. With penalty.