Because the amount u paid is less than the minimum amount due, there is a high risk of ICICI reporting delayed payment to CIBIL. I would suggest u to email them and explain them to take this as a one-time misunderstanding and not to report it to CIBIL. This is exactly why we should never take a risk with old age banks. Remember cashback cards are meant to be paid in full every month irrespective of when we get the cashback. We can always email them later to return the excess credit back. Otherwise we will have to fight till PNO/RBI for some Rs.100-200 cashback. Axis plays it smart here by giving cashback only 2-3 days before the next statement date.
