Cibil score dropped by 100 points

[sharathchenna]

Hello! I have an icici credit card the bill was 109.75 in august but I only paid 109 rupees and my cibil dropped by 100 points I didn't check my statements because I was not using that card is there anything I can do about it?

Edit: They removed late payment entry from the cibil report

 

[CardGame]

If u paid minimum amount due on time .. should not be reflected as late payment anyways

That's for August... Issue is for October where statement was generated on Sep 12th

 

[Pankhuri]

If u paid minimum amount due on time .. should not be reflected as late payment anyways

He missed .75, which carried forward to next month which he missed.

 

[Vasuki]

He missed .75, which carried forward to next month which he missed.

That's why cred is imp gives u update on payments

 

[Pankhuri]

That's why cred is imp gives u update on payments

create your own cred with google sheets + bard/bingai/chatgpt/whatever

 

[Vasuki]

create your own cred with google sheets + bard/bingai/chatgpt/whatever

Not tech guy .med student 😔

 

[Pankhuri]

Not tech guy .med student 😔

Supply bard some sample body of the statement emails to create a filter query for you in gmail, - create that filter and create a label named statements which would be the result of filtering

then provide the statement emails again to ai to create a regex for capturing amount due and due date, ask the ai to write a google apps script which would scrape emails every 5 days and using the regex to find card no, due date and due amount, and populate a spreadsheet with that data. - at this step currently

last step is to create another script with the help of ai to send you email reminders 2 days before the due date, then 1 day before the due date and on the due date.

Payment ka khud dekhna hoga lekin

 

[Bugs Bunny]

Supply bard some sample body of the statement emails to create a filter query for you in gmail, - create that filter and create a label named statements which would be the result of filtering

then provide the statement emails again to ai to create a regex for capturing amount due and due date, ask the ai to write a google apps script which would scrape emails every 5 days and using the regex to find card no, due date and due amount, and populate a spreadsheet with that data. - at this step currently

last step is to create another script with the help of ai to send you email reminders 2 days before the due date, then 1 day before the due date and on the due date.

Payment ka khud dekhna hoga lekin

Upar se gyaa still.
#nontechguy

 

[Pankhuri]

Upar se gyaa still.
#nontechguy

Try one thing, open bard or bing ai and ask them the filter thingy, you will get the hang of it pretty quick. Is quite funny sometimes, bard literally after giving me whole code bodies, in some later reply goes I am not programmed to write code

sass on bing ai is on another level

 

[Bugs Bunny]

Try one thing, open bard or bing ai and ask them the filter thingy, you will get the hang of it pretty quick. Is quite funny sometimes, bard literally after giving me whole code bodies, in some later reply goes I am not programmed to write code

sass on bing ai is on another level

Lemme try and update.

 

[Deleted member 5552]

If u paid minimum amount due on time .. should not be reflected as late payment anyways

But he didn't pay total amount due of September and October. So it will be reported

 

[Deleted member 9785]

if you are a student stop wasting time on cibil score. focus on studies to make high income. Cibil will correct in few months on its own

 

[ghost2050]

Where did you checked your cibil?

 

[paxauquabriba-4876]

Hello! I have an icici credit card the bill was 109.75 in august but I only paid 109 rupees and my cibil dropped by 100 points I didn't check my statements because I was not using that card is there anything I can do about it?

I dont think for 75 Paisa your cibil has dropped 100 points.

 

[Lobogris]

Whenever you have a credit card, make sure to download the bank's app or use its website to login. Frequently check the latest information on that app or website and do so at least once a week. It only takes a couple of minutes. In addition, always round it off and pay a little more than the amount due, like if it is 98.75, pay 100. In addition, when you are not using a card regularly, just pay off the amount due immediately as soon as it appears as a transaction on the app. Don't rely on a third party to remind you. All this takes just a couple of minutes. If you want to use Cred, then just open it and make a payment of whatever amount is due. Don't wait for the statement. In addition, turn on autopay where available.

 

[sharathchenna]

I dont think for 75 Paisa your cibil has dropped 100 points.

I called the bank sir they said even if u a due 0.1 rupee if they will report it to the credit bureau

 

[sharathchenna]

Where did you checked your cibil?

this website - https://www.cibil.com/

 

[paxauquabriba-4876]

I called the bank sir they said even if u a due 0.1 rupee if they will report it to the credit bureau

That is true but even in T&Cs in most of the CC; Late payment = Rs 0 if the amount that still remains unpaid is less than Rs100.
Regardless I will not stress about the 100 points lost as ur score will revert back.
Dont get fixated on the Credit score as it goes up and down for no reason like my wife's tantrums.

 

[Vasuki]

That is true but even in T&Cs in most of the CC; Late payment = Rs 0 if the amount that still remains unpaid is less than Rs100.
Regardless I will not stress about the 100 points lost as ur score will revert back.
Dont get fixated on the Credit score as it goes up and down for no reason like my wife's tantrums.

Very subtle... I know where u goin 😂😂

 

[mrbean007]

Hello! I have an icici credit card the bill was 109.75 in august but I only paid 109 rupees and my cibil dropped by 100 points I didn't check my statements because I was not using that card is there anything I can do about This llll

Hello! I have an icici credit card the bill was 109.75 in august but I only paid 109 rupees and my cibil dropped by 100 points I didn't check my statements because I was not using that card is there anything I can do about it?

This is pathetic. Same thing happened with me with RBL Bank where I missed to pay O.46 for which they had sent a legal notice to me for non payment of dues and case was sent in third bucket. However I made payment of 10 immediately after the notice. Not sure if it spoiled my credit score as well. Not happy with such pathetic service of RBL

 

[Vasuki]

This is pathetic. Same thing happened with me with RBL Bank where I missed to pay O.46 for which they had sent a legal notice to me for non payment of dues and case was sent in third bucket. However I made payment of 10 immediately after the notice. Not sure if it spoiled my credit score as well. Not happy with such pathetic service of RBL

U will not get amex ..else everything will be fine