Credit Card CIBIL Reporting Date

[CosmicCat]

Yup, BNPL is injurious to the health of your CIC reports.
I never had this, but learned about it in this forum.
So, never again opt any BNPL in future if you want to maintain an awesome score.

Yeah, that's what I've heard too, as they are reported as "Personal/Consumer Loan" in the CIBIL report. And neither of them allow your CIBIL score to increase in the long run.

 

[Quantum]

Wow. 10 years?!

LOL, yeah. + IDFC Millennia CC even though I have IDFC Wealth account.
IDFC Millennia CC has made me living in my 20s again.
I would be forever indebted to IDFC for showering me with this life changing rejuvenation.

 

[CosmicCat]

LOL, yeah. + IDFC Millennia CC even though I have IDFC Wealth account.
IDFC Millennia CC has made me living in my 20s again.
I would be forever indebted to IDFC for showering me this life changing rejuvenation.

AH, BHAR-BHAR KE SARCASM. LOL

When I applied it in their official website, I had no other relationship with them at the time of application, excluding the Flipkart Pay Later account, which had been closed just 3 months prior. And I was offered just two cards: Millennia and Classic. Even though there are LITERALLY NO DIFFERENCE between both (No, none, nada), I nevertheless opted for Classic, as it felt more *Premium* branding-wise. Even the Select CC has not much value compared to Classic/Millennia. The difference in rewards/benefits is very minute between both.

 

[Daniel16]

I think IDFC is irregular when it comes to reporting credit card usage to CIBIL. I am an existing holder of an IDFC card and my CIBIL report hasn't been updated regarding my IDFC card since August.

Yes. Recently turned 18 and new to all this credit system 😅
So basically I started Flipkart Pay later in the month of October, paid the bill in November. It finally showed up on Experian credit score on 3rd of December ( I kept checking daily). But they haven't reported it to CIBIL yet. Also got a secured IDFC Card during Diwali. Don't know when they will report it to CIBIL. Probably next month....

 

[Quantum]

Yes. Recently turned 18 and new to all this credit system 😅
So basically I started Flipkart Pay later in the month of October, paid the bill in November. It finally showed up on Experian credit score on 3rd of December ( I kept checking daily). But they haven't reported it to CIBIL yet. Also got a secured IDFC Card during Diwali. Don't know when they will report it to CIBIL. Probably next month....

So as you have finally landed here and curious about the credit system, read about the negative aspects of BNPL or Pay Later in this forum to understand its impact on your credit score and history.

 

[Card_Crafter]

People using CSB cards please confirm the CIBIL reporting date.

 

[BeingIncog]

People using CSB cards please confirm the CIBIL reporting date.

Ek hi toh Aya hai abhi market mein i.e. onecard mastercard

 

[irohitpragya]

I have a question about add on cards.

Suppose I took 2 add-ons for my family members. Is that means my cibil reflect total of 3 cards.

 

[irohitpragya]

Is better to go other cards with same bank or take add-ons.

Purpose - sale discounts.

Like amazon Flipkart sales.

Like icici bank I have coral and coral rupay. Upgrade options available. But confused

 

[Card_Crafter]

Ek hi toh Aya hai abhi market mein i.e. onecard mastercard

Jupiter Edge Rupay bhi hai.

 

[BeingIncog]

Jupiter Edge Rupay bhi hai.

Yes I know but that is more of very recent one.

 

[sudharshan]

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 -

View attachment 373

What about other banks

 

[Card_Crafter]

^ Here is the updated list.

 

[BeingIncog]

^ Here is the updated list.

View attachment 38783

@Survivor35 check this out for your query.

Just a curious question,lets say if we clear all dues before statement and later make transactions will cibil score still increase.

Au statement date is 25th of every month,if i pay all unbilled dues and statement generated has 0 due.Can i make transactions on AU card after 26th Dec

 

[BlueFlash]

^ Here is the updated list.

View attachment 38783

For SBI, it's actually (Due Date + 3). Feel free to validate.

 

[D₹V]

I have a question about add on cards.

Suppose I took 2 add-ons for my family members. Is that means my cibil reflect total of 3 cards.

Only 1 card will be reflected.

 

[D₹V]

^ Here is the updated list.

View attachment 38783

Axis ka thikana nahi hai.

Kabhi bill date to kabhi month end.

 

[BlueFlash]

Axis ka thikana nahi hai.

Kabhi bill date to kabhi month end.

For their core cards I am always seeing BGD only, maybe for their cashback type of cards it's EOM ?

 

[Survivor35]

Just a curious question,lets say if we clear all dues before statement and later make transactions will cibil score still increase. Au statement date is 25th of every month,if i pay all unbilled dues and statement generated has 0 due.Can i make transactions on AU card after 26th Dec

 

[shutapdiya]

For their core cards I am always seeing BGD only, maybe for their cashback type of cards it's EOM ?

Last month my myzone, Flipkart and privilege all reported on 30th