moglibhai
TF Buzz
Hi everyone,
I’m really frustrated right now and hoping someone here can guide me.
My CIBIL score dropped from 793 to 709 due to a ₹7 payment that I missed by 11 days on my Axis Bank MyZone credit card. I’ve always maintained a clean repayment history, over 5+ years of credit age, and I currently hold 8 credit cards.
Here’s what exactly happened:
I also have the Axis Flipkart credit card, and both cards had the same due date. I paid the Flipkart card on time, but the MyZone card had a ₹7 due that I missed.
When the bill got generated, I thought: "Let me just pay this now, warna ₹7 ka amount baad mein bhul jaaunga." I was trying to pay immediately through Mobikwik, but:
So I left it thinking I’ll figure it out later… and exactly what I feared happened — I forgot.
I eventually paid the amount 11 days late, and now I see a DPD entry on my CIBIL report and a huge drop in score. It’s really disheartening because one genuine mistake on a small amount is now impacting my entire credit profile.
Does anyone know if there's a way to get this DPD removed, maybe by contacting Axis Bank and requesting a goodwill correction? Has anyone had success doing this?
Would really appreciate any help or advice. Thanks in advance!
I’m really frustrated right now and hoping someone here can guide me.
My CIBIL score dropped from 793 to 709 due to a ₹7 payment that I missed by 11 days on my Axis Bank MyZone credit card. I’ve always maintained a clean repayment history, over 5+ years of credit age, and I currently hold 8 credit cards.
Here’s what exactly happened:
I also have the Axis Flipkart credit card, and both cards had the same due date. I paid the Flipkart card on time, but the MyZone card had a ₹7 due that I missed.
When the bill got generated, I thought: "Let me just pay this now, warna ₹7 ka amount baad mein bhul jaaunga." I was trying to pay immediately through Mobikwik, but:
- Mobikwik had a minimum payment requirement of ₹10
- When I entered ₹10, it said: "Outstanding is ₹7, can’t pay more than that"
- When I entered ₹7, it said: "Minimum payment is ₹10"
So I left it thinking I’ll figure it out later… and exactly what I feared happened — I forgot.
I eventually paid the amount 11 days late, and now I see a DPD entry on my CIBIL report and a huge drop in score. It’s really disheartening because one genuine mistake on a small amount is now impacting my entire credit profile.
Does anyone know if there's a way to get this DPD removed, maybe by contacting Axis Bank and requesting a goodwill correction? Has anyone had success doing this?
Would really appreciate any help or advice. Thanks in advance!