HDFC billpay delay in crediting cc bill

[gobsy]

Paid ICICI Amazon bill on 27th. Still not credited in card statement. Should I pay using Paytm UPI for instant reflect or will 27th be counted as date of payment for cc bill. Due date is today.

 

[WhoU]

Yeah even I paid on Friday. Yet to be credited on Axis.

 

[Trust Me]

For Axis, ICICI, etc. it usually takes 4 working days.

HDFC say it takes 2 working days for ICICI, and it took exactly 2 days for me the only time I've paid through HDFC BillPay so far!

 

[Shubham Yadav]

Yeah even I paid on Friday. Yet to be credited on Axis.

Always avoid to pay on friday as next two days are holidays better to pay on Monday than it would be settled around thrusday to Friday

 

[PavanPavan is verified member.]

Axis is taking 3 working days now for ace atleast 🙁

 

[SSV]

Guys,
No need to worry about HDFC bill payment to CC, it might take, 2 - 5 (or even 7) days to reflect on CC statement...

But .... But the important thing here is the effective date of payment in your statement will always be the date you paid..... and this what matters to CC bank...

Stop worrying about this.....

Give you an example: I paid this particualr bill on 02/08/2023... and I got an email from ICICI on 04/08/2023... but the date of payment in my cc statement is 02/08/2023 only... Have peace....

HDFC Bill Pay Screen: bill opaid date 02/08/2023



ICICI Payment received notification via email on 04/08/2023






Credit Card Statement entries: received on 02/08/2023





NOTE: This applies to any Credit Card payment ( ICICI, AXI, etc.....) SBI is instant..GOD knows why..

EDIT:
Disclaimer: As @Deal_Freak mentioned in the below posts , to be on a safer side pay at least 3 to 5 days before the due date... for Axis and ICICI..

 

[Deleted member 16965]

Guys,
No need to worry about HDFC bill payment to CC, it might take, 2 - 5 (or even 7) days to reflect on CC statement...

But .... But the important thing here is the effective date of payment in your statement will always be the date you paid..... and this what matters to CC bank...

Stop worrying about this.....

Give you an example: I paid this particualr bill on 02/08/2023... and I got an email from ICICI on 04/08/2023... but the date of payment in my cc statement is 02/08/2023 only... Have peace....

HDFC Bill Pay Screen: bill opaid date 02/08/2023

View attachment 25386

ICICI Payment received notification via email on 04/08/2023


View attachment 25384



Credit Card Statement entries: received on 02/08/2023

View attachment 25387



NOTE: This applies to any Credit Card payment ( ICICI, AXI, etc.....) SBI is instant..( GOD knows why)..

To be on a safer side with Axis and ICICI banks in particular, actual payment date and payment realization date should be on or before the payment due date.

 

[SSV]

To be on a safer side with Axis and ICICI banks in particular, actual payment date and payment realization date should be on or before the payment due date.

Yes, it is always safer to be earlier than due date...
Mind you there is 3 days grace period as well after due date...
People unnecassarily panicking about this... I have been observing this trend that , the paid date in CC staement is always.. the date we initiated the payment in HDFC bill pay... and realization date has no siginificance at all..

NOTE: I actually pay before the bill generation date usually... when not paid like this , I will pay atleast the minimum amount due within a few days after bill generation...

There is a need to make people not to panic unnecessarily...

 

[Deleted member 16965]

Guys,
No need to worry about HDFC bill payment to CC, it might take, 2 - 5 (or even 7) days to reflect on CC statement...

But .... But the important thing here is the effective date of payment in your statement will always be the date you paid..... and this what matters to CC bank...

Stop worrying about this.....

Give you an example: I paid this particualr bill on 02/08/2023... and I got an email from ICICI on 04/08/2023... but the date of payment in my cc statement is 02/08/2023 only... Have peace....

HDFC Bill Pay Screen: bill opaid date 02/08/2023

View attachment 25386

ICICI Payment received notification via email on 04/08/2023


View attachment 25384



Credit Card Statement entries: received on 02/08/2023

View attachment 25387



NOTE: This applies to any Credit Card payment ( ICICI, AXI, etc.....) SBI is instant..GOD knows why..

From the cards which I have in my portfolio, bill payment for SBI, RBL, Yes Bank, IndusInd, BoB/Kotak (through BillDesk) are instant through HDFC BillPay portal.

 

[SSV]

From the cards which I have in my portfolio, bill payment for SBI, RBL, Yes Bank, IndusInd, BoB/Kotak (through BillDesk) are instant through HDFC BillPay portal.

Good to know this... really helpful...

 

[Deleted member 16965]

Yes, it is always safer to be earlier than due date...
Mind you there is 3 days grace period as well after due date...
People unnecassarily panicking about this... I have been observing this trend that , the paid date in CC staement is always.. the date we initiated the payment in HDFC bill pay... and realization date has no siginificance at all..

ICICI and Axis sometimes doesn't honor 3 days of Grace Period. Realization date plays a role particularly with ICICI bank and this has happened with my friend whose payment was credited after due date.

 

[SSV]

ICICI and Axis sometimes doesn't honor 3 days of Grace Period. Realization date plays a role particularly with ICICI bank and this has happened with my friend whose payment was credited after due date.

credited after due date but the paid date is before due date, right ?? even then the issue??

 

[SSV]

ICICI and Axis sometimes doesn't honor 3 days of Grace Period. Realization date plays a role particularly with ICICI bank and this has happened with my friend whose payment was credited after due date.

sometimes

I really don't understand how these big Corporations work??? why sometimes??

 

[Deleted member 16965]

credited after due date but the paid date is before due date, right ?? even then the issue??

Yes and my friend was charged a late payment fee by ICICI even though the payment got credited within 3 days of grace period. Banks usually takes grace periods as a buffer time for bill payment. As a goodwill gesture they may or may not levy late payment charges for the payment that was realized in the grace period.

 

[Deleted member 16965]

I really don't understand how these big Corporations work??? why sometimes??

It is same as different customers get different replies by banks for the same query.

 

[SSV]

It is same as different customers get different replies by banks for the same query.

There is a difference between getting response from a human and
automatic bill generation by machine...

 

[Deleted member 16965]

There is a difference between getting response from a human and
automatic bill generation by machine...

Yeah but a human can reverse the late payment fee as a onetime goodwill gesture.

 

[SSV]

Yeah but a human can reverse the late payment fee as a onetime goodwill gesture.

When a machine implements the logic , there is no opportunity for a human to reverse the fee as a goodwill gesture. Sometimes..
Machines won't work sometimes and will work sometimes..
Whatever logic we supply, it just implements it

 

[Deleted member 16965]

When a machine implements the logic , there is no opportunity for a human to reverse the fee as a goodwill gesture...

Machine implements the logic as per the bill due payment date and not as per the grace due date.

 

[SSV]

Machine implements the logic as per the due payment date and not as per the grace due date.

Then it should always levy penalty, not SOMETIMES


Your statement

ICICI and Axis sometimes doesn't honor 3 days of Grace Period

 

[Deleted member 16965]

Then it should always levy penalty, not SOMETIMES

Yeah but the same machine doesn't work for different banks. Banks have their own guidelines and set of rules.