Need advice, Navi CC bill pay failed later and got reported to cibil :(

[xfactcc]

Need advice,

I pay cc bills via Navi using Fi dc, for BPCL card, total bill with annual fee around this time was 693, I cleared 500, then 193. 500 got thru, but somehow 193 failed which I noticed today when I got sms of late payment.

Minimum due was same as total due.

Now got reported to cibil and my score tanked to 708. 🙁

Anything can be done? Navi can be held liable? Or medical emergency etc. so SBI considers?

Please advice...

 

[Dreams Of Desire 💓]

Atleast learnt the lesson for next time. Confirm the payments everytime.

 

[Mr. BeanMr. Bean is verified member.]

Navi can be held liable

No.

The CIBIL may bounce back, but not the report. If you aren't going to apply for another loan or CC in the near future, you don't have to worry.

Only if you plan to apply for a home loan (even after a few years), then yes, it is a concern.

 

[xfactcc]

No.

The CIBIL may bounce back, but not the report. If you aren't going to apply for another loan or CC in the near future, you don't have to worry.

Only if you plan to apply for a home loan (even after a few years), then yes, it is a concern.

Or Amex credit card right?

 

[harsh_ujjwal]

Need advice,

I pay cc bills via Navi using Fi dc, for BPCL card, total bill with annual fee around this time was 693, I cleared 500, then 193. 500 got thru, but somehow 193 failed which I noticed today when I got sms of late payment.

Minimum due was same as total due.

Now got reported to cibil and my score tanked to 708. 🙁

Anything can be done? Navi can be held liable? Or medical emergency etc. so SBI considers?

Please advice...

You can request them to remove late payment reportage as a one time gesture/good will gesture. But it all depends on them whether they accept or nt. Take them into confidence you have always paid on time it was not your fault .
Going fwd please use sbi card app or net banking to pay the dues. For petty cashback we ppl are putting our financial health at risk. Navi is the most horrible app one can think of.

 

[xfactcc]

Conversely what's the antidote? I have numerous credit cards... Autopay? If so, which provider for minimal fail?

Please advice...

 

[Abhisek]

Conversely what's the antidote? I have numerous credit cards... Autopay? If so, which provider for minimal fail?

Please advice...

Auto debit of respective bank. For example for SBI cards, they allow you to set up auto debit on any bank account. It won't fail as long as you have sufficient balance. I have set up auto debit. Plus auto pay on HDFC bill pay. By feature if HDFC bill pay succeeds, SBI auto debit won't trigger. So no duplicate payment.