How Late payment in CIBIL can affect Credit Card approval

[Credit Karma]

I have a 1 day late payment on my credit report in Feb 2022. It was wrongly marked by PNB. I am trying to get it removed but it is not yet removed.
I have on-time payment ratio of 38/39 with 4.5+ years of credit history.

But I'm thinking that what happens if they don't remove it?
Will it affect my chances of getting approved for CC's?
Will I get pre-approved offers?
What impact will it have on future if it is not removed?

 

[Credit Karma]

it would have gotten approved

Probably yes! That's what keeps me thinking all the time.

But given my unique situation with pre-approved offer, it feels like that I am much better off by not applying.

Had it been rejected, then I would have looked like a Dumbo knowing applying for a CC with a tanked credit score 😂

 

[pleasegiveltf]

I have a 1 day late payment on my credit report in Feb 2022. It was wrongly marked by PNB. I am trying to get it removed but it is not yet removed.
I have on-time payment ratio of 38/39 with 4.5+ years of credit history.

But I'm thinking that what happens if they don't remove it?
Will it affect my chances of getting approved for CC's?
Will I get pre-approved offers?
What impact will it have on future if it is not removed?

Facing a similar issue from SBI. Did you manage to get this corrected by PNB by any chance?

 

[AsB]

I had late payment from flipkart paylater due to the fact that flipkart blocked my account.... It still shows after 4 years

I think that this is the reason, that you Credit Card applications are being rejected

 

[Batmanbaba]

I think that this is the reason, that you Credit Card applications are being rejected

Only sbi rejects.... I have now 5 cards

 

[Credit Karma]

Facing a similar issue from SBI. Did you manage to get this corrected by PNB by any chance?

Not yet, but I am planning to approach the RBI with this issue after 1 more month.

 

[Kenu73]

I don't know why people are missing the most important fact that any credit card company cannot mark any account past due or late till 3 days from Payment due date. Neither can they levy any penal charges.

If they have marked you late or levied charges. Mark an email to the principal Nodal officer and if they don't assist you. Take it to Rbi ombudsman. I have done that with SBI.