CIBIL Score Dropped from 793 to 709 due to ₹7 DPD – Need Help (Axis Bank)

[Trust Me]

Auto-pay wasn’t active either — that’s on me.

I am puzzled. Several years back my Axis Select CC came with the auto-pay active by default (for the minimum amount due), and it could never be turned off ! Wasn’t it the case for you too? Has Axis changed their policy since ?!
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[SJM]

Thank you for the detailed responses so far. While I appreciate the solutions shared, I’d still like to keep this thread open for a little longer to hear from others who might have faced a similar situation. Their perspectives and experiences could offer further clarity and help me make a more informed decision.
Let’s keep it going a bit longer, if that’s okay!

As far as I know if your due is less than 100, provided it is not overdue or EMI payment, etc. then it can't be reported. Please check for RBI circular on the same.

 

[iscoopicecreams]

Thank you for the detailed responses so far. While I appreciate the solutions shared, I’d still like to keep this thread open for a little longer to hear from others who might have faced a similar situation. Their perspectives and experiences could offer further clarity and help me make a more informed decision.
Let’s keep it going a bit longer, if that’s okay!

I'm on the same boat bro.. 0.9 rs reported as overdue. Have mailed PNO, waiting for their reply

I

Thread 'Help needed - CIBIL hit (Axis Bank)'

Friday at 7:50 PM

Hi,

I have a credit card with Axis Bank which had a due of ₹0.9 last month. I tried paying the same through 3rd party apps like navi, cred, innopay but it declined payment stating that "the bank doesn't accept payment less than ₹1". So, I tried paying ₹1 but it was also declined stating that "you cannot pay more than the outstanding amount" (typical bbps thing).

So, I simply ignored, because it was 0.9 only and thought it would be counted in rounding off. Today, i received a mail and sms from bank stating that your overdue has been reported to the credit information companies.

I called...

• iscoopicecreams
• axis bank bank cibil help
• Replies: 2
• Forum: General Discussions (Anything Other Than Finance)

 

[iscoopicecreams]

Update- I had already emailed to pno axis bank to remove this dpd as a goodwill gesture got a reply from pno to share the complete cibil report memtioned control id from official cibil site with control number, pan number and details of credit card visible in cibil, now I would need cibil subscription to send these

They need complete cibil report?

 

[moglibhai]

As far as I know if your due is less than 100, provided it is not overdue or EMI payment, etc. then it can't be reported. Please check for RBI circular on the same.

I also got to know from somewhere acc to rbi that if the due is less than 100rs then it cant be get reported to cibil but not sure, I searched but didnt get it.

 

[theflash]

I have an acct with axis so if required I pay ₹1-2 extra to be on safer side.

 

[girish3456]

Hey, I’m honestly quite stressed about this right now.
If you don’t mind, could you please share a few more details about what exactly your friend did — like the exact outstanding amount, how many days DPD was reported on CIBIL, and how long Axis took to remove it? Was dpd was removed from cibil report??


It would really help me understand the process better. Appreciate your help!

Is 8 credit cards really required. Just think on this point. It would be hard to maintain such a big list. What you say. Not to criticize, this is just on a friendly note

 

[iscoopicecreams]

I also got to know from somewhere acc to rbi that if the due is less than 100rs then it cant be get reported to cibil but not sure, I searched but didnt get it.

Let me also search

 

[Aniket Sharma]

Why is 8 credit cards are really required. Just think on this point. It would be hard to maintain such a big list. What you say. Not to criticize, this is just on a friendly note

I have 6 cards and I don't feel that anytime.

2-2 cards from 3 different banks only.

 

[iscoopicecreams]

Let me also search

Bro didn't find anything on this. Chatgpt also said there's no official circular on this

 

[Sahil_07]

I

Update- I had already emailed to pno axis bank to remove this dpd as a goodwill gesture got a reply from pno to share the complete cibil report memtioned control id from official cibil site with control number, pan number and details of credit card visible in cibil, now I would need cibil subscription to send these

one report is free per year if you have not used it already

 

[moglibhai]

Why is 8 credit cards are really required. Just think on this point. It would be hard to maintain such a big list. What you say. Not to criticize, this is just on a friendly not
I get what you’re saying! But honestly, it’s not as hectic as it sounds. I mainly use 1 or 2 cards for daily stuff. The rest are just for grabbing specific offers or rewards — not in constant use

Bro didn't find anything on this. Chatgpt also said there's no official circular on this

I remember once when I searched I got that written in highlight from rbi circular in Ai overview but now when I am searching I am also not getting : (

 

[sicko101]

Thanks for sharing your experience — that’s really helpful. If you don’t mind, could you please share a few more details?
Specifically:

• How many days after the due date did you make the payment?
• What was the approximate outstanding amount at that time?
• And how did you get in touch with Axis Bank — was it through email, customer care, or some other method?

Amount was 739 and dpd was 10 days.

I contacted Nodal Officer of axis through email.

It got resolved in 20 days.

Edit- They will ask for latest cibil report so be ready and provide cibil report.

 

[iscoopicecreams]

Amount was 739 and dpd was 10 days.

I contacted Nodal Officer of axis through email.

It got resolved in 20 days.

Edit- They will ask for latest cibil report so be ready and provide cibil report.

So they removed the reporting? And how to get the CIBIL report?

 

[SJM]

Is 8 credit cards really required. Just think on this point. It would be hard to maintain such a big list. What you say. Not to criticize, this is just on a friendly note

I have 38. No stress about it.

 

[Robin_123]

In 2023 , for the Bill of July month, I paid full bill of SBI card on 3rd August, credited on same day in the card account, the due date was 7th August. SBI card reported delayed payment by 3 days, my CIBIL score dropped by 31 points. I complained. They first denied all this. When I escalated upto Customer Service Head level, they removed the entry. But, to my surprise, all previous payments done by me for SBI card since last 4 years got vanished. My scores improved by 12 points immediately in the the next month. But for the recovery of lost score, It took 8-10 months.

There was not any fault from side, still I suffered.

 

[sicko101]

So they removed the reporting? And how to get the CIBIL report?

Yes they removed DPD and overdue both.

Cibil provides one free report per year or else take one month subscription.

 

[iscoopicecreams]

Yes they removed DPD and overdue both.

Cibil provides one free report per year or else take one month subscription.

They replied to me as well but didn't say anything on the removal of DPD. Can you share your email revert.

 

[iscoopicecreams]

Yes they removed DPD and overdue both.

Cibil provides one free report per year or else take one month subscription.

Can you share your ss what they replied

 

[chinnodu]

Delayed payment will be reported by bank even if delay is 2-3 days beyond grace period?