Payment related credit info correction no banks will do unless it’s their fault
RBI ombudsman in my opinion can’t take any decision here in this case
In this month 12 in cibil and 28 experian report and other 3 to 6
U can recover cibil by proper timely repayments
I do always but at this time miss due to hospitalisation
If you have paid the minimum due atleast (more than that from what I am assuming). So, the bank cannot mark it as delinquent. Bank can charge an interest on the remaining amount if they want though.
Jaake baat karo bank se. Minimum due most likely 0 hi hoga. Nhi toh RBI ko escalate karo. No way ki bank late payment report kar sakta hai jab minimum due hi 0 ho toh.
Minimum amount is 5% of total bill in most cases and is generally calculated in whole numbers. Not sure if bank will screw him up for not paying 0.006.
if it is recent, request rbl in kind and polite words explaining your situation, they have the authority to suppress the default because technically you had outstanding balance that was unpaid. if they dont agree, then we can see whether to go to RBI.
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