Regalia HDFC cibil issue

[dileep]

Hi my HDFC cc have 55rs due amount last month ,when I tried to pay few times through cred and Paytm amount refunded back now when I checked cibil score there is late payment and cibil is down by 80 points. how to resolve this pls help

 

[kuchbhi]

if i remember correctly cred and paytm both have late payment compensation guarantee sort of thing
THIS MAY NOT BE APPLICABLE TO THIS POST but quoted just for reference

was amount refunded before due date crossed of after
also try to quote this to hdfc with reference numbers tho they might not accept the reason
also initiate a lil dispute with cred and paytm that at last moment they backed out

i think this is pretty much you can carry out for the time being!

 

[dileep]

if i remember correctly cred and paytm both have late payment compensation guarantee sort of thing
THIS MAY NOT BE APPLICABLE TO THIS POST but quoted just for reference

was amount refunded before due date crossed of after
also try to quote this to hdfc with reference numbers tho they might not accept the reason
also initiate a lil dispute with cred and paytm that at last moment they backed out

i think this is pretty much you can carry out for the time being!

Actually when I tried to pay 55rs through Paytm I got error like u can't pay less than 100rs after that tried 150 payment got refunded later tried through cred now piad 250 same happened refunded next day. I heard less than 100 due no issue,any one have idea regarding this where to complaint

 

[surojitlaha]

Hi my HDFC cc have 55rs due amount last month ,when I tried to pay few times through cred and Paytm amount refunded back now when I checked cibil score there is late payment and cibil is down by 80 points. how to resolve this pls help

This is messed up bro. After the bbps implementation with HDFC BANK you can't pay more than the bill generated amount and that too you can pay for just one time from third party apps
Example: If your bill amount is 10k then you can pay 10k for only one time from third party apps.
Regarding your case of 55 rupees due. Why don't you just choose hdfc netbanking or hdfc mobile app. You can pay the due amount from the app or netbanking.Now you can't do anything bro.

Email hdfc cc team and explain them about the whole situation. They will accept your mistake and correct your credit score

 

[HumorSimpson]

If your bill amount is 10k then you can pay 10k for only one time from third party apps.

Thanks for this information

 

[aniketkr.sharma]

Thanks for this information

Use payzapp, i paid more than my bills many times recently last month and this month maybe

 

[surojitlaha]

Use payzapp, i paid more than my bills many times recently last month and this month maybe

It's maybe possible from Payzapp cause it's their own app. But to be on the safe side one should directly do the payment from netbanking

 

[rajcasio]

It's maybe possible from Payzapp cause it's their own app. But to be on the safe side one should directly do the payment from netbanking

Everyone pays CC bills through DEBIT cards to earn Reward Points. Are you aware of it?

 

[helloworld]

Hi my HDFC cc have 55rs due amount last month ,when I tried to pay few times through cred and Paytm amount refunded back now when I checked cibil score there is late payment and cibil is down by 80 points. how to resolve this pls help

Ever thought of using and pay through official HDFC. Bill desk or if already have savings account, through netbanking or Other payment modes mentioned in statement.?

 

[helloworld]

Everyone pays CC bills through DEBIT cards to earn Reward Points. Are you aware of it?

When it comes to a CIBIL late payment report versus earning cashback through a debit card, it’s always wiser to prioritize avoiding a late payment report.

• Maintaining a good credit score is far more important than earning cashback. A late payment can significantly impact your CIBIL score, affecting your ability to secure loans or credit in the future.
• As the due date approaches, avoid relying on third-party apps to settle your bills. Ensure payments are made directly and on time to avoid any delays or complications.

 

[sumit_yadav]

I use third party apps for the rewards but also keep the Auto Debit option Enabled to be on the safe side.

 

[dileep]

This is messed up bro. After the bbps implementation with HDFC BANK you can't pay more than the bill generated amount and that too you can pay for just one time from third party apps
Example: If your bill amount is 10k then you can pay 10k for only one time from third party apps.
Regarding your case of 55 rupees due. Why don't you just choose hdfc netbanking or hdfc mobile app. You can pay the due amount from the app or netbanking.Now you can't do anything bro.

Email hdfc cc team and explain them about the whole situation. They will accept your mistake and correct your credit score

I don't have HDFC account 55rs amount is not taking when I tried to pay through Paytm and other apps so paid extra but still it refunded back now they messed up my cibil score.some where I headed below 100 rs there is no issue any mail id to contact HDFC other than customer care
@TechnoFino

 

[helloworld]

I don't have HDFC account 55rs amount is not taking when I tried to pay through Paytm and other apps so paid extra but still it refunded back now they messed up my cibil score.some where I headed below 100 rs there is no issue any mail id to contact HDFC other than customer care
@TechnoFino

In every month statement mail has this



which takes you here: https://www.hdfcbank.com/personal/p...inia_E_Statement_CG&utm_content=discover_more

which also provide one option as billdesk: https://www.billdesk.com/pgidsk/pgmerc/hdfccard/HDFC_card.jsp

It works. Bank is not responsible for third-party problems. You have to pay any means!

Same options also available in last page of statement pdf (infact applies any bank credit card). There are multiple ways, some bank provides, some third-party apps provides.

 

[kuchbhi]

It's maybe possible from Payzapp cause it's their own app. But to be on the safe side one should directly do the payment from netbanking

yes its possible in cred too after bbps limit over it credits thru IMPS

 

[kuchbhi]

Actually when I tried to pay 55rs through Paytm I got error like u can't pay less than 100rs after that tried 150 payment got refunded later tried through cred now piad 250 same happened refunded next day. I heard less than 100 due no issue,any one have idea regarding this where to complaint

but since the mistake has already taken place you may contact hdfc
ask them politely to take back -ve cibil info what all they have put
complaint cred that becuz of them you weren't able to pay full (cred allows over payment of hdfc) and this has caused you trouble

you should at least give them a try

 

[rajcasio]

Hi my HDFC cc have 55rs due amount last month ,when I tried to pay few times through cred and Paytm amount refunded back now when I checked cibil score there is late payment and cibil is down by 80 points. how to resolve this pls help

I too pay using PAYTM or PAYZAPP for CC bill payments using Debit card.
But i do have a habit of checking the payment immediately in the CC app under UNBILLED transactions.
I have 14 CC's with different billing date for my convenience.
The one app that gives me HEADACHE is HSBC which shows the payment only after 2-3 days.

 

[kuchbhi]

I too pay using PAYTM or PAYZAPP for CC bill payments using Debit card.
But i do have a habit of checking the payment immediately in the CC app under UNBILLED transactions.
I have 14 CC's with different billing date for my convenience.
The one app that gives me HEADACHE is HSBC which shows the payment only after 2-3 days.

but i think outstanding changes instantly doesn't it?

 

[sumit_yadav]

but i think outstanding changes instantly doesn't it?

Yes for BBPS enabled credit card issuing banks.

The one app that gives me HEADACHE is HSBC which shows the payment only after 2-3 days.

Amex & StanC are also not on BBPS and it takes time to reflect in the statement. I have Gold charge card so I cannot determine by the credit limit.

 

[love4cards]

any mail id to contact HDFC other than customer care

Grievance.Redressalcc@hdfcbank.com
PriorityRedressal.CreditCards@hdfcbank.com
..