Credit Card CIBIL Reporting Date

[Fini7777]

anyone having any idea on when does AU SFB report this to CIBIL ?

Month end .

 

[Fini7777]

Axis - are you sure? Axis reports twice a month for all cards for me. One is month end and the other is payment date +1 day to any card before 15th of that month. (I'm not sure on the 2nd date as a definite co-relation to establish requires data for another 2 months on my own.

SBI - Logic is bill due date + 3 days , confirmed this in writing with SBI. The day is mathematically also bill generation date - 7 days

Axis :they report on bill gen date for their specific cards like axis ace for the remaining cards they report at month end

About SBI: you r right.

 

[cc_baadshah]

Sbi reported my utilization on 5th may,
my bill date 12th may

 

[prashant00001]

Now all major banks axis yes and others reporting on statement date only

 

[prashant00001]

Big change from this month

 

[BlueFlash]

Any idea about DBS core CC ?

 

[Fini7777]

Now all major banks axis yes and others reporting on statement date only

No, Axis Ace - on bill gen date (Remaining all axis cards are reporting on end of every month)- Personally verified
Yes bank cc: Reporting on end of every month- Personally Verified

 

[Fini7777]

Sbi reported my utilization on 5th may,
my bill date 12th may

SBI CARDS: Reporting date is: 3 days post the bill due date
in your case bill gen date is12th so the bill due date is 02nd of next month hence 02+3 days is 5th

 

[TiVoGlObE]

anyone having any idea on when does AU SFB report this to CIBIL ?

The day of updation in CIBIL report is around 15th of every month, the date of report is for 30/31st of every month.

I.e. your latest updation for AU card should be 31st may (date Reported & certified)

But only if you pull a CIBIL report by 15th June will you see this updated in the report, any day before that, you'll still see the data is as on 30th April.

 

[TiVoGlObE]

No, Axis Ace - on bill gen date (Remaining all axis cards are reporting on end of every month)- Personally verified
Yes bank cc: Reporting on end of every month- Personally Verified

Paid cards are on bill date, LFT are month end, can't confirm for all cards but that's what I gather so far.

 

[krishc]

I've subscription of CIBIL taken for almost full price (just 10% discount) , still they're not showing me credit summary page instead showing as per attachment.
How can I raise complaint against this malpractice??

 

[Fini7777]

I've subscription of CIBIL taken for almost full price (just 10% discount) , still they're not showing me credit summary page instead showing as per attachment.
How can I raise complaint against this malpractice??

Facing the same issue asking me to upgrade but I've the highest plan 1yr plan

 

[TiVoGlObE]

I've subscription of CIBIL taken for almost full price (just 10% discount) , still they're not showing me credit summary page instead showing as per attachment.
How can I raise complaint against this malpractice??

Have you tried using the app?

 

[krishc]

Have you tried using the app?

Nope, but is it stable now?
Then I'll try

 

[Shin-Chan]

I am facing same issue not showing Credit Summary Page

 

[SAS]

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

@TechnoFino i have a question ...
suppose one of my bank's bill generation date is 15th of the month
i paid the total due 80k before bill generation
bill generated for 0
again used that 80k
bank reporting to cibil at the month end will be done for statement amt 0 or my current due 80k ???

 

[Fini7777]

@TechnoFino i have a question ...
suppose one of my bank's bill generation date is 15th of the month
i paid the total due 80k before bill generation
bill generated for 0
again used that 80k
bank reporting to cibil at the month end will be done for statement amt 0 or my current due 80k ???

Depends on which bank cards u r using
some report on stmt gen date some on month end
specify ur card name here it gives more clarity

 

[pradeepG]

@TechnoFino i have a question ...
suppose one of my bank's bill generation date is 15th of the month
i paid the total due 80k before bill generation
bill generated for 0
again used that 80k
bank reporting to cibil at the month end will be done for statement amt 0 or my current due 80k ???

usually bank reports the total amount due on the date they are reporting. some banks are exceptions.

 

[Fini7777]

Credit Card CIBIL Reporting Date

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...

www.technofino.in

See the attachment provided in this thread U will get the clarity reg the dates

changes:
SBI: Post 3 days of the bill due date / 1 week before the bill gen date
RBL: on stmt gen date

except these two everything remains unchanged.

 

[SAS]

Depends on which bank cards u r using
some report on stmt gen date some on month end
specify ur card name here it gives more clarity

no bhai not like that my question is ... suppose take some bank which reports on month end ....
my query is do they report the statement due or current due

are you getting it ..... i have X credit card which reports to cibil on month end
now i have spent 1 lakh on that card and 15th is the due date .. i paid on 14th and on 15th statement generated for 0 balance
on 16th again i spent that 1 lakh ..... and now on 31st month end will the bank reports my statement due which generated as 0 or my current due which is 1 lakh ????