Credit Card CIBIL Reporting Date

[BlueFlash]

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

Oh, for my Privilege, it's showing BGD always. For Flipkart (closed) it used to show EOM... Maybe you guys are right then, Axis might be reporting it twice a month, or maybe randomly. God only knows XD

 

[shutapdiya]

Oh, for my Privilege, it's showing BGD always. For Flipkart (closed) it used to show EOM... Maybe you guys are right then, Axis might be reporting it twice a month, or maybe randomly. God only knows XD

I have seen some months axis do not even report for 2-3 months

 

[Card_Crafter]

Axis ka thikana nahi hai.

Kabhi bill date to kabhi month end.

I have 3 axis cards aur hamesha month end hi reporting hua hai since 1.3 years.

 

[Card_Crafter]

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

SBI is confusing. Many members have mentioned different dates. That's why I have mentioned 'mostly'.

Btw I just got my SBI card in Dec, not yet reported in CIBIL. Will confirm as soon as it is reported.

 

[D₹V]

I have 3 axis cards aur hamesha month end hi reporting hua hai since 1.3 years.

Report hona & kis date ka usage report hona, dono different thing hai.

 

[Card_Crafter]

Report hona & kis date ka usage report hona, dono different thing hai.

Month end ka usage report month end me report hota hai every month.

 

[D₹V]

Month end ka usage report month end me report hota hai every month.

Nahi hota hai 🤭.

Axis me kabhi billing date to kabhi month end report hota hai.

CIBIL me month end karega to Experian me Billing date.

Ab shayad samajh chuke hoge chronology.

 

[BlueFlash]

I think we can safely conclude that Axis uparwaale ke bharose chal raha hai. Jiska jab man kiya, tab report kar raha hai XD

 

[hs23new]

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

End of the month (for Yes Bank) for Jan means Jan 31?

 

[ReloadFin]

**SBI** Reports statement amount but on different (later) date.

Statement amount reported confirmed

(amount was exactly match with statement but differs on any other date, as concluded by me)

 

[D₹V]

**SBI** Reports statement amount but on different (later) date.

Statement amount reported confirmed

(amount was exactly match with statement but differs on any other date, as concluded by me)

Isn't report date month end?

 

[SSV]

End of the month (for Yes Bank) for Jan means Jan 31?

Yes . .

 

[kiran_kishore]

Hi, I am planning to check my CIBIL score today. I own both HDFC & Axis CCs. Will my latest report get reflected to the CIBIL score, since these 2 report to CIBIL on last date of the month? Usually I check on 15th of every month and the previous month's history gets reflected? Just wanted to understand how long will it take to reflect actually though the timeline 30 to 45 days on record. Has anyone here it experienced it before or any rough idea on this?

 

[SSV]

Just wanted to understand how long will it take to reflect actually though the timeline 30 to 45 days on record.

You can refresh every day if you want to and know exactly when your ccs get reported..
The time taken would be different to each Bank..
By checking everyday, you will know all these things in detail

 

[SonyTom]

Hi, I am planning to check my CIBIL score today. I own both HDFC & Axis CCs. Will my latest report get reflected to the CIBIL score, since these 2 report to CIBIL on last date of the month? Usually I check on 15th of every month and the previous month's history gets reflected? Just wanted to understand how long will it take to reflect actually though the timeline 30 to 45 days on record. Has anyone here it experienced it before or any rough idea on this?

HDFC card data as on January 31 reflected in CIBIL today. This is the usual pattern

 

[ReloadFin]

Isn't report date month end?

No, it's around or after bill due date, explained in example below:

Statement Generated on 15th

Due date 5th of next month

Cibil report date (for me) 8th (due date + 3 days) of next month.

(Amount will be statment generated as on 15th of previous month)

Regarding sbi I'm aware about first card or first ever card etc., still this is the reporting scenario atleast for me.

 

[Rohith-2009]

No, it's around or after bill due date, explained in example below:

Statement Generated on 15th

Due date 5th of next month

Cibil report date (for me) 8th (due date + 3 days) of next month.

(Amount will be statment generated as on 15th of previous month)

Regarding sbi I'm aware about first card or first ever card etc., still this is the reporting scenario atleast for me.

Same for me

 

[D₹V]

No, it's around or after bill due date, explained in example below:

Statement Generated on 15th

Due date 5th of next month

Cibil report date (for me) 8th (due date + 3 days) of next month.

(Amount will be statment generated as on 15th of previous month)

Regarding sbi I'm aware about first card or first ever card etc., still this is the reporting scenario atleast for me.

Screenshot of CIBIL showing SBI report date please?

 

[sidp]

Guys what about the impact on scores?
Like if a bank is reporting on month end, when the impact of this report is reflected in scores? I think I read somewhere 7days. Shouldn't it happen instantaneously once reported as the score is generated through some algorithm not human intervention?

 

[Survivor35]

Looks like something weird: i pay cc dues before bill generation date however offlate the scores arent moving .Au card whose cibil report shd be after bill report still shows old data (fyi statement date is 26th & i pay by 23rd).Im planning to streamline my portfolio .Any suggestions.