SBI cashback outstanding amount pay before bill generation.

[alwayswin69]

Hi, I have utilized 52% of my credit limit and wanted to pre pay some amount to keep my utilization under 30%.
But when i'm trying to pay it using hdfc billpay, sbi unipay or jiofinance app, it gives an error as soon as i put my last 4 digit of cc and phone number that "Something went wrong"
Any idea how do i prepay some amount and get 1% cashback aswell since I have hdfc easy shop platinum dc.
Please help!

 

[alwayswin69]

@Abhishek012 @VISHESH_BANSAL help plox

 

[sudheerreddy]

Hi, I have utilized 52% of my credit limit and wanted to pre pay some amount to keep my utilization under 30%.
But when i'm trying to pay it using hdfc billpay, sbi unipay or jiofinance app, it gives an error as soon as i put my last 4 digit of cc and phone number that "Something went wrong"
Any idea how do i prepay some amount and get 1% cashback aswell since I have hdfc easy shop platinum dc.
Please help!

Its your 1st bill?

 

[alwayswin69]

Its your 1st bill?

Yess, got the card in july

 

[sudheerreddy]

Yess, got the card in july

Now max all using the BBPS to settle the Credit Card Payments.

So you can't pay your bill before it generation.
But if you want to pay bill to decrease your utilisation below 30% then Use the CRED app to pay your bill.

 

[telescope]

Hi, I have utilized 52% of my credit limit and wanted to pre pay some amount to keep my utilization under 30%.
But when i'm trying to pay it using hdfc billpay, sbi unipay or jiofinance app, it gives an error as soon as i put my last 4 digit of cc and phone number that "Something went wrong"
Any idea how do i prepay some amount and get 1% cashback aswell since I have hdfc easy shop platinum dc.
Please help!

Pay from sbi card app or by NEFT

 

[Sriim]

Can't prepay with debit card rewards before 1st bill generation. Can clear outstanding anytime in SBI after first bill is generated.

As suggested by others, cred or neft is the way to go for you now

 

[alwayswin69]

@sudheerreddy @telescope @Sriim will the cibil take a significant hit if i wait for bill generation and then pay for cashback?

 

[VISHESH_BANSAL]

@sudheerreddy @telescope @Sriim will the cibil take a significant hit if i wait for bill generation and then pay for cashback?

Chill. Itna mat socho.

You have only SBI in your portfolio ?

Overall utilization % matters across cards.

 

[telescope]

@sudheerreddy @telescope @Sriim will the cibil take a significant hit if i wait for bill generation and then pay for cashback?

Nothing significant .

 

[Riya]

Hi, I have utilized 52% of my credit limit and wanted to pre pay some amount to keep my utilization under 30%.
But when i'm trying to pay it using hdfc billpay, sbi unipay or jiofinance app, it gives an error as soon as i put my last 4 digit of cc and phone number that "Something went wrong"
Any idea how do i prepay some amount and get 1% cashback aswell since I have hdfc easy shop platinum dc.
Please help!

firstly you don't need to worry about the amount due on bill generation date...
SBI reports the due amount 3 days after your due date... so even if you have used 90% and paid in full before due date then no hit CIBIL.....
SBI is the only weird bank who works like this

 

[KLB@96]

Hi, I have utilized 52% of my credit limit and wanted to pre pay some amount to keep my utilization under 30%.
But when i'm trying to pay it using hdfc billpay, sbi unipay or jiofinance app, it gives an error as soon as i put my last 4 digit of cc and phone number that "Something went wrong"
Any idea how do i prepay some amount and get 1% cashback aswell since I have hdfc easy shop platinum dc.
Please help!

you cant pay from BBPS

 

[alwayswin69]

Chill. Itna mat socho.

You have only SBI in your portfolio ?

Overall utilization % matters across cards.

got icici aswell, with 3L limit but have only utilised around 2%

 

[SSV]

Hi, I have utilized 52% of my credit limit and wanted to pre pay some amount to keep my utilization under 30%.
But when i'm trying to pay it using hdfc billpay, sbi unipay or jiofinance app, it gives an error as soon as i put my last 4 digit of cc and phone number that "Something went wrong"
Any idea how do i prepay some amount and get 1% cashback aswell since I have hdfc easy shop platinum dc.
Please help!

As far as pre payment is concerned :
If your importance is Rewards on CC pyament , you need to wait and pay the amount after bill is generated. However,
if your importance is about getting % utilization below 30% or whatever you wanted it to be, then pay in the SBI Cards app / or CRED right now ,if it is allowing you..

For more details about how CIBIL works

See here..

Enjoy..

Thread 'CIBIL Score - A Practical Guide'

Jul 18, 2024

CIBIL Score - A Practical Guide

Discalimer: This is mainly for regular Credt Card users who pay all their dues before due date and wondering why their score is not increasing..
Here we dont discuss the cases where there were defaults and / or delayed payments..that is for another day..​

Ladies and Gentelmen,

Here is the much awaited post on CIBIL Score and how it works and what we should do to improve it over the period of the time..

Here I won't go in detail about how the score is constructed as there were numerous posts on the internet in explaining the CIBIL score...

• SSV
• cibil score
• Replies: 457
• Forum: Informative Threads

• 
• 
• 

 

[alwayswin69]

firstly you don't need to worry about the amount due on bill generation date...
SBI reports the due amount 3 days after your due date... so even if you have used 90% and paid in full before due date then no hit CIBIL.....
SBI is the only weird bank who works like this

I'm confused. I've heard they report on the bill generation date

 

[alwayswin69]

As far as pre payment is concerned :
If your importance is Rewards on CC pyament , you ned to wait and pay the amount after bill is generated. However,
if your improtance is about getting % utilization below 30% or whatever you want it to be, then pay in the SBI Cards app / or CRED if it is allowing you..

For more details about how CIBIL works

See here..

Enjoy..

Thread 'CIBIL Score - A Practical Guide'

Jul 18, 2024

CIBIL Score - A Practical Guide

Discalimer: This is mainly for regular Credt Card users who pay all their dues before due date and wondering why their score is not increasing..
Here we dont discuss the cases where there were defaults and / or delayed payments..that is for another day..​

Ladies and Gentelmen,

Here is the much awaited post on CIBIL Score and how it works and what we should do to improve it over the period of the time..

Here I won't go in detail about how the score is constructed as there were numerous posts on the internet in explaining the CIBIL score...

• SSV
• cibil score
• Replies: 457
• Forum: Informative Threads

• 
• 
• 

thanks for the post! , guess i'll take a chance and wait until bill generation

 

[SSV]

I'm confused. I've heard they report on the bill generation date
View attachment 64261

Yes,. they report balance as on bill generation date.. but reported date will be as on due date+3 days.

 

[alwayswin69]

Yes,. they report balance as on bill generation date.. but reported date will be as on due date+3 days.

so no need to worry as long as I pay within those 3 days after bill generation?

 

[SSV]

so no need to worry as long as I pay within those 3 days after bill generation?

I will give you an example:

your CL : 3L
your bill date : Aug 1
your balance as on Aug 1 : 2L

due date: Aug 19:
balance as on aug 19 : 0



For this month, the CIBIL report for this account will look like:

CL: 3L
current balance: 2L
Reported date: Aug 22...


utilization will be: 66.67%

 

[SSV]

so no need to worry as long as I pay within those 3 days after bill generation?

all your doubts cleared ??