Credit Card CIBIL Reporting Date

[ramandeep]

Keep utilization low(For this you can pay some of the unbilled amount before cibil reporting dates of the cards).
Dont pay all, keep atleast a small amount for bill generation, so that number of bill payments increases.
Both of these will improve the score over the course of time.

As long as you pay your bills on time, score will be fine.

low means below 30% or even lesser than it?

 

[hks789]

low means below 30% or even lesser than it?

Less than 30% should be enough.

 

[Lord Of Darkness]

And Axis Bank??

Axis bank reported my new magnus credit card to CIBIL today. I got this card last month, so seems like it is almost 10 days after my statement date.

 

[akshayhs]

Axis bank reported my new magnus credit card to CIBIL today. I got this card last month, so seems like it is almost 10 days after my statement date.

Same here. Ace card was reported to CIBIL yesterday. Issued in Feb 2023. 10 days post statement generation isn't there in my case.

 

[SoggypastA]

ICICI last reported to cibil in February Is this normal? I've paid 2 bills till now.
Waiting for new limit to reflect.

 

[Hitman_107]

ICICI last reported to cibil in February Is this normal? I've paid 2 bills till now.
Waiting for new limit to reflect.

Same its not reflected in my cibil too last entry is of February

 

[Anon1]

And Axis Bank??

Month end

 

[panu24]

ICICI last reported to cibil in February Is this normal? I've paid 2 bills till now.
Waiting for new limit to reflect.

I think icici report every 2 months

 

[pradeepG]

ICICI last reported to cibil in February Is this normal? I've paid 2 bills till now.
Waiting for new limit to reflect.

60+ days from the next statement generation date.

 

[SoggypastA]

I will have to wait for next statement generation then 😔

 

[sauravkumar]

Not sure about any other bank but ICICI doesn't report once in a month.
They easily take 2 months for updating CIBIL.

 

[Tejo]

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 -

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All banks offers to change bill generation date due to rbi guidelines.

May I know what date is best. @TechnoFino suggest na

I'm thinking to change to 28th so double time reporting can be avoided also. Also month end there will be more offers to pay cc bill.

 

[AsB]

All banks offers to change bill generation date due to rbi guidelines.

May I know what date is best. @TechnoFino suggest na

I'm thinking to change to 28th so double time reporting can be avoided also. Also month end there will be more offers to pay cc bill.

There is no fixed date for anyone. It all depends on individuals.
Also, most of the banks have a few dates, to which you can change. Like, they will give you 5-6 dates, and you can choose one. It may not be from your choice.
However, a good choice is to have two dates ranges for cards. For a few cards, you can go for the first 15 days range, and for other few, the next 15 day range

 

[humptydumpty]

Hello if i keep utilising under 30% banks dont consider upgradation of limit right,how do you guys deal with that

 

[hks789]

Hello if i keep utilising under 30% banks dont consider upgradation of limit right,how do you guys deal with that

There is no rule like that. All depends on your spending pattern and bank's algorithms.
I keep my utilization to 4-5%, still I am receiving LE offers.

Use card based on your needs. In case if you don't receive auto upgrades, you can always request a manual LE based on your latest salary slips or ITR.

 

[sandipans814]

I got my Amazon Icici Credit card on 27th April. Its still not showing on cibil report. Any idea when Icici reports new card info to cibil.

 

[Tejo]

I got my Amazon Icici Credit card on 27th April. Its still not showing on cibil report. Any idea when Icici reports new card info to cibil.

Statement generation date (99%), you should spend atleast 1rupee, if 0 they won't report.

On 28th of every month (1%)

 

[Tejo]

I got my Amazon Icici Credit card on 27th April. Its still not showing on cibil report. Any idea when Icici reports new card info to cibil.

Check on all credit bureaus.

Did you got atleast hard enquiry while applied.

 

[pradeepG]

I got my Amazon Icici Credit card on 27th April. Its still not showing on cibil report. Any idea when Icici reports new card info to cibil.

after 2 bill generation.

 

[sandipans814]

Check on all credit bureaus.

Did you got atleast hard enquiry while applied.

yeah hard enquiry showed on cibil