SBI Unipay - Transaction failed - Missed due date for HDFC CC - CIBIL Impacted

[financewizard]

I paid HDFC CC outstanding amount via SBI Unipay. Initially it showed as if the payment was successful. But later after couple of days, the payment got failed and status changed in Unipay portal to transaction failed & I missed the due date. Later SBI has reversed the transaction and credited back the amount.

Due to this my Cerdit Score has dropped big time. It is currently 685. Is there any way that I can reach out to the bank and request for reveral of this delayed payment reporting? I hold Imperia account with HDFC and the RM and Customer care reps are consused and are not able to give a concrete answer.

I was having a plan of getting new house loan in the next few months and this Credit Score hit can have a sever impact on my housing plans and hence need to get it reversed badly. I am fine with the penality and other charges but it is the credit score that hurts me a lot. Is there anything that I can do here to get my credit score fixed across all the agencies? How can I take it up with HDFC bank / Credit agencies / SBI Unipay?

 

[Anupama_Jha]

Ohhh man, Hits so hard😨

You can try mailing hdfc cx with screenshots of proof of payment before due dates. As a one-time gesture, they may consider ur request.

Else, after higher escalations you can give a try to RBI ombudsman also. As, no option left other than requesting.

 

[desiviru]

Sorry for your financial hit. Had you stopped Auto-Pay? From last few days I am actively requesting people to have autopay active and again doing it here.

Everyone should keep their AutoPay active with every CC and atleast leave balance 24-36 hrs before due date so that in case of failed txn you don't get hit much.

 

[Anupama_Jha]

Sorry for your financial hit. Had you stopped Auto-Pay? From last few days I am actively requesting people to have autopay active and again doing it here.

Everyone should keep their AutoPay active with every CC and atleast leave balance 24-36 hrs before due date so that in case of failed txn you don't get hit much.

Can't be practical for all. People will have to either compromise on CIBIL or lose RPs which they gets thru paying from 3rd party sites.

 

[desiviru]

Can't be practical for all. People will have to either compromise on CIBIL or lose RPs which they gets thru paying from 3rd party sites.

Look you don't need to keep all the balance. Only say 30-40% of due because not all txns will fail. On Autopay it will deduct only leftover amount.

 

[Anupama_Jha]

Look you don't need to keep all the balance. Only say 30-40% of due because not all txns will fail. On Autopay it will deduct only leftover amount.

Or or, you can set minimum due amount instead of full. Atleast CIBIL will be saved.

But again, you need savings bank account of each card.

 

[ankurarora898]

I paid HDFC CC outstanding amount via SBI Unipay. Initially it showed as if the payment was successful. But later after couple of days, the payment got failed and status changed in Unipay portal to transaction failed & I missed the due date. Later SBI has reversed the transaction and credited back the amount.

Due to this my Cerdit Score has dropped big time. It is currently 685. Is there any way that I can reach out to the bank and request for reveral of this delayed payment reporting? I hold Imperia account with HDFC and the RM and Customer care reps are consused and are not able to give a concrete answer.

I was having a plan of getting new house loan in the next few months and this Credit Score hit can have a sever impact on my housing plans and hence need to get it reversed badly. I am fine with the penality and other charges but it is the credit score that hurts me a lot. Is there anything that I can do here to get my credit score fixed across all the agencies? How can I take it up with HDFC bank / Credit agencies / SBI Unipay?

Same happened with me months ago,still cibil not recovered.The bank will only reverse the charges but cibil hit will stay

 

[nh124001]

I paid HDFC CC outstanding amount via SBI Unipay. Initially it showed as if the payment was successful. But later after couple of days, the payment got failed and status changed in Unipay portal to transaction failed & I missed the due date. Later SBI has reversed the transaction and credited back the amount.

Due to this my Cerdit Score has dropped big time. It is currently 685. Is there any way that I can reach out to the bank and request for reveral of this delayed payment reporting? I hold Imperia account with HDFC and the RM and Customer care reps are consused and are not able to give a concrete answer.

I was having a plan of getting new house loan in the next few months and this Credit Score hit can have a sever impact on my housing plans and hence need to get it reversed badly. I am fine with the penality and other charges but it is the credit score that hurts me a lot. Is there anything that I can do here to get my credit score fixed across all the agencies? How can I take it up with HDFC bank / Credit agencies / SBI Unipay?

after paying hdfc CC bill, did you check credit amount ion unsettled transactions of HDFC credit card?

 

[desiviru]

Or or, you can set minimum due amount instead of full. Atleast CIBIL will be saved.

But again, you need savings bank account of each card.

Yeah, savings is needed or you can have auto-pay with NACH from other savings account but don't know whether they will present complete bill or only the due amt. I always go for savings first before having a bank's card. Never applied for AmEx etc. Have Amex card which is issued by ICICI i.e Sapphiro with dual cards.

 

[desiviru]

after paying hdfc CC bill, did you check credit amount ion unsettled transactions of HDFC credit card?

Problem with BBPS is even if it is settled first it can be reversed and taken back by SBI. Then HDFC send SMS that payment for so amt. was reversed. But it will not help when you pay on last day or a day before due date. IDFC is one such notorious bank which has technical issues and payment with its DC should be observed/scrutinized for 3-5 days atleast.

For safety, always pay your bill like 7-10 days in advance if you can't keep autopay.

I have 2X safety benefits with own policies which says,

1. Start paying 10 days before and keep paying and clear all when 5 days are left.

2. Keep AutoPay active.

 

[nh124001]

b

Problem with BBPS is even if it is settled first it can be reversed and taken back by SBI. Then HDFC send SMS that payment for so amt. was reversed. But it will not help when you pay on last day or a day before due date. IDFC is one such notorious bank which has technical issues and payment with its DC should be observed/scrutinized for 3-5 days atleast.

For safety, always pay your bill like 7-10 days in advance if you can't keep autopay.

I have 2X safety benefits with own policies which says,

1. Start paying 10 days before and keep paying and clear all when 5 days are left.

2. Keep AutoPay active.

bhai main statement generate hone ke 6 days ke under hi saari payment nibta deta hu

 

[rusty17]

New fear unlocked. I have been slowly building up my credit score after it crashed 3 years due to some totally unnecessary stupid choices I made. I will be extra careful in checking my dues from now on.

 

[financewizard]

after paying hdfc CC bill, did you check credit amount ion unsettled transactions of HDFC credit card?

My previous bill cycle amount and current bill cycle amount were almost same. When I checked CC app, on payment reflected or not, I assumed that the amount was credited. Also, the amount debited from by savings account was not credited for 8-9 days. Hence I assumed that the bill was paid.

 

[pothi]

From last few days I am actively requesting people to have autopay active and again doing it here.

At least, people should pay the MAD as soon as the bill is generated. Saves a lot of embarassment if the tech stack fails on the due date.

But again, you need savings bank account of each card.

Slice auto-pay (for BBPS bills) has a nice trick to pay only a certain fixed threshold. For example, my MAD never crossed Rs. 500. So, I could easily forgo of rewards for that 500 for a peace of mind.

But later after couple of days, the payment got failed

When exactly did you pay the bill, then?

If you paid within 3 days after the due date, there is a way to reverse the CIBIL. But, it is a longl process.

NACH from other savings account but don't know whether they will present complete bill or only the due amt

NACH will present only the pending amount (after reducing any amount we may have paid or after adjusting any refunds). I have first hand experience paying through NACH (for my OneCard - SIB) before BBPS. There are multiple people confirmed this in this forum as well.

 

[financewizard]

Has anyone in this community managed to get their credit score reversed by contacting the bank? Especially HDFC??

 

[VISHESH_BANSAL]

Or or, you can set minimum due amount instead of full. Atleast CIBIL will be saved.

But again, you need savings bank account of each card.

Pay MAD via NEFT/IMPS/UPI directly to Card Account using Any Bank Account.

Jisko MAD via NEFT/IMPS/UPI mai bhi Rewards ka keeda kaat raha hai woh Snapay se kardo using CC UPI🤣

 

[nh124001]

Has anyone in this community managed to get their credit score reversed by contacting the bank? Especially HDFC??

bhai dusro ka experience chodo, grievence redersal se lekar PNO sab ko turn wise mail karo, to sort this out, it's better to try CIBIL score ka sawal hai

 

[financewizard]

When exactly did you pay the bill, then?

If you paid within 3 days after the due date, there is a way to reverse the CIBIL. But, it is a longl process.

My due date was 9th. I made payment on 3rd via Unipay. On 11th the amount was refunded back to my account by Unipay.

My last month due and current month due were almost the same amount. Hence assumed that the amount was reflecting in HDFC end.

Also I was getting a lots of phishing calls & mails - on over due of credit cards - for the last 2 months (those jokers will call and say I have not paid CC bill for cards I do not even have). So I ignored the mails from HDFC that was sent on 16th. I realised the situation on 18th and I paid the amount. Effectively it is 9 days over due 🙁.

Today I reached out to RM and Credit card customer support via call and they are clueless. They offer to reverse the fee. But my concern is only regarding CIBIL and I am not concerned about the fee part.

 

[D₹V]

I paid HDFC CC outstanding amount via SBI Unipay. Initially it showed as if the payment was successful. But later after couple of days, the payment got failed and status changed in Unipay portal to transaction failed & I missed the due date. Later SBI has reversed the transaction and credited back the amount.

Due to this my Cerdit Score has dropped big time. It is currently 685. Is there any way that I can reach out to the bank and request for reveral of this delayed payment reporting? I hold Imperia account with HDFC and the RM and Customer care reps are consused and are not able to give a concrete answer.

I was having a plan of getting new house loan in the next few months and this Credit Score hit can have a sever impact on my housing plans and hence need to get it reversed badly. I am fine with the penality and other charges but it is the credit score that hurts me a lot. Is there anything that I can do here to get my credit score fixed across all the agencies? How can I take it up with HDFC bank / Credit agencies / SBI Unipay?

Was it failed unipay trick? 😂

 

[financewizard]

Was it failed unipay trick? 😂

Yup, Unipay ripped me.