Credit Card CIBIL Reporting Date

[James]

There is too much manmAnI in this from both banks and Transunion (I guess especially Transunion).

I took out my report from GooglePay like 24th or so of last month, and it didn't carry my ICICI card details.

I took out my report today from Wishfin, and it says ICICI reported the card on 20 July!

I see that BoB and PNB have correctly made reports on 31 Aug and 16 Aug. This is as expected.

But HDFC, IDFC, Kotak, ICICI's numbers are all from July - 31, 31, 31 and 20 respectively. ICICI should have made a report on 20 Aug, and the others on 31 Aug, but even today, 8 Sep, Transunion hasn't put in the updated values.

The careless and irresponsible nature of this foreign company is just blood-boiling..

Wishfin - will they share our data if we check cibil?

What about refresh? Will they refresh only once per month?

 

[srikant]

Wishfin - will they share our data if we check cibil?

What about refresh? Will they refresh only once per month?

You can check once per month. It won't be a hard inquiry.

They seem not to share data too much. After checking the third time or so, I got a manageable number of calls directly from Wishfin, but now even that has stopped.

 

[James]

You can check once per month. It won't be a hard inquiry.

They seem not to share data too much. After checking the third time or so, I got a manageable number of calls directly from Wishfin, but now even that has stopped.

Okay, thanks

 

[James]

Wi

You can check once per month. It won't be a hard inquiry.

They seem not to share data too much. After checking the third time or so, I got a manageable number of calls directly from Wishfin, but now even that has stopped.

Will it be a very clear report like paisabazaar report?

 

[srikant]

Wi

Will it be a very clear report like paisabazaar report?

Haven't tried paisabazaar. It's a reasonably detailed report - shows all your credit lines with their date of opening, usage, sanctioned limit and total credit limit on them. It shows the list of inquiries for 2 years or so as well.

 

[James]

Haven't tried paisabazaar. It's a reasonably detailed report - shows all your credit lines with their date of opening, usage, sanctioned limit and total credit limit on them. It shows the list of inquiries for 2 years or so as well.

I checked it. I think there's no option for downloading the report

 

[Kumar93196]

Bhai mere credit card lena h per koi or bank de nhi rha mere pass hdfc 1.6 lakh ke sath, Amazon icici 1lakh , icici platinum 40k Or sbi 19k but single name h Or konsa bank cc de skta h civil 786 h

Idfc/ au bank offline m dega/Indusind/ standard chartered bank offline m dega/kotak bank rbl

 

[SIRAJUL]

Au Bank Credit card Cibil Report Date ????

 

[ARV]

Au Bank Credit card Cibil Report Date ????

Last day of the month

 

[CosmicCat]

I got my IDFC FIRST Bank's Classic credit card in the first week of September. They still haven't reported it in the CIBIL. (I have a Premium subscription of CIBIL, and I refresh my report every day. 💀)

 

[Quantum]

I got my IDFC FIRST Bank's Classic credit card in the first week of September. They still haven't reported it in the CIBIL. (I have a Premium subscription of CIBIL, and I refresh my report every day. 💀)

I'm in the same boat. I got the card in the last week of September. No CIBIL reporting for the same yet. I too have the premium sub of CIBIL and refreshing everyday to check it.

IDFC First Credit Card: When does IDFC report the new credit card to CIBIL?

Hey Folks, When does IDFC report the new credit card to CIBIL? For my new CC, the bill generation/statement date was 17 Oct. I paid the bill even before that. The due date is 4th Nov. Any idea when IDFC will report it to CIBIL? Thanks!

www.technofino.in

 

[sachinvenga]

New Scapia / federal card not reported to Cibil on month end. Account oped on 9th Oct. 1st bill generated and paid on 20th.

 

[deep@vie]

New Scapia / federal card not reported to Cibil on month end. Account oped on 9th Oct. 1st bill generated and paid on 20th.

Should be reported by Nov end.

 

[thakur9843]

Hello everyone,
If you are holding multiple credit cards, and wants to keep your credit utilisation ration under 30% then you should know, on which date your card issuers report your card uses data to CIBIL.
To know more about how to maintain credit utilisation ratio under 30% or lower watch this video - How To Maintain Credit Utilization Ratio Under 30% | Steps You Must Follow | Pro Tips 🔥🔥🔥 on YouTube (TechnoFino Channel).
Check this list, Credit Card CIBIL Reporting Date -

Wau, just visited here , a lot of good info and tricks🫀

 

[viznu99]

How does this work for Amex Plat Charge.. Since it doesn't have a fixed limit, how would the credit utilization be calculated ?

 

[Tejo]

How does this work for Amex Plat Charge.. Since it doesn't have a fixed limit, how would the credit utilization be calculated ?

Your highest used credit limit will be consider as your given limit.

 

[finbro]

I have found that OneCard reports to CIBIL on the last date of its bill payment (which by default is 18th of next month). I say this because I have a CIBIL subscription and I have observed that a change in CIBIL score and amount outstanding occurs only on every 18th.

 

[cardy]

For me Axis Bank is reporting exact bill amount which is generated on 16th

Me too. It's same for me also.

 

[CosmicCat]

I got my IDFC FIRST Bank's Classic credit card in the second week of September. They are yet to report that card to CIBIL. (I have a Premium subscription and I refresh the report every day.)

 

[James]

Me too. It's same for me also.

Axis bank bill generated on 16th? I said to change the bill generation date to 16 but they said they can't change to 16th