Guidelines for updating cibil score if the late payment charges are reversed..

[Vasuki]

What am I missing guys? kya baatein kr rhe ho aap sbhi..

About Vande bharat train orange & blue color

 

[chiggybansal1]

This happened with your father right?? Or maybe it was another user .

If u have set up pin and was fighting for fyf or Ltf .you can have genuine case for removal from cibil as it was jf & no transction on the ongoing dispute .
Or ask for card closure bcz u never used it ..

What did sbi said in this regard .are you continuing the card

yes, it happened with my mother's card, I did this thing from retention team they reversed both charges made the card LTF and I said to continue the card.

 

[VISHESH_BANSAL]

I need help regarding the guidelines of RBI, Like if the bank reverse the charges of late payment and finance charges on credit card, Can we ask bank to suppress or update the cibil report and remove the negative details. I didn't find any details for the same. Your advise will be appreciated. Bank name iis SBI, Axis and Amex.

If you did not paid even Minimum Due Amount, Nothing can be done.

Move on after making a Humble Request with respective Banks.

 

[Vasuki]

yes, it happened with my mother's card, I did this thing from retention team and said to continue the card.

1 late payment wont dent anything in long run to your mother profile..
Not worth the hassle


For Amex . since it was gold charge card and not Regular cc
Does minimum amount due thing applies @BestBanker

@S S V

 

[SSV]

1 late payment wont dent anything in long run to your mother profile..
Not worth the hassle


For Amex . since it was gold charge card and not Regular cc
Does minimum amount due thing applies @BestBanker

@S S V

I haven't got any charge cards yet..
I will update once I get them..no experience at all yet..May be in 6 months I will

 

[chiggybansal1]

If u have paid minimum amount due .
Which is 10% or less
Amex should not report to Cibil as late payment but rather as overdue in that month

Total bill was 3,37,305 due by 26th nov and I paid 1,27,305 which made a roundoff to 2,10,000 and used further 6k for 1000MR and bill was of 2,27,390 on 8th dec statement after which card blocked and all this happened..

 

[chiggybansal1]

If you did not paid even Minimum Due Amount, Nothing can be done.

Move on after making a Humble Request with respective Banks.

Interesting point is I paid in some scenarios that means I can fight with them in that scenes?

 

[Zacobite]

1 late payment wont dent anything in long run to your mother profile..
Not worth the hassle


For Amex . since it was gold charge card and not Regular cc
Does minimum amount due thing applies @BestBanker

@S S V

no minimum due for charge card..that is the difference of chg card.. no limit ( managed by amex) and full payment due.. have to pay full.. v bad for cibil if not paid

 

[Vasuki]

Total bill was 3,37,305 due by 26th nov and I paid 1,27,305 which made a roundoff to 2,10,000 and used further 6k for 1000MR and bill was of 2,27,390 on 8th dec statement after which card blocked and all this happened..

Wait for gold charge user or @BestBanker to confirm that gold charge card have 10% minimum due rule or not
If rule applies like other credit card you can fight & its a win

If it doesn't apply to charge card then nothing can be done .
Since u already hold amex 99% payment history won't be problem for any bank
Avoid HSBC & sc

 

[chiggybansal1]

This month(6 months completed) even I tried to remove my limit set by them of 75,100 by sharing my documents again but this time they were unable to do so. Same for other amex card credit limits were not able to enhance.

 

[Vasuki]

no minimum due for charge card..that is the difference of chg card.. no limit ( managed by amex) and full payment due.. have to pay full.. v bad for cibil if not paid

Do u have charge card 🤯 ..

 

[Zacobite]

Do u have charge card 🤯 ..

plat chg.. i had.. just closed

 

[Vasuki]

plat chg.. i had.. just closed

Is it that bad

 

[chiggybansal1]

plat chg.. i had.. just closed

Also, I Blame myself as I think due to this I didnt get Plat charge upgrade offer for 1,35,000 points.

 

[VISHESH_BANSAL]

Interesting point is I paid in some scenarios that means I can fight with them in that scenes?

Yes but Charge Cards are Exceptions as clarified by @Zacobite

 

[Vasuki]

This month(6 months completed) even I tried to remove my limit set by them of 75,100 by sharing my documents again but this time they were unable to do so. Same for other amex card credit limits were not able to enhance.

One fine day when u have no expectations. They will surprise you with l.e ..
Just keep using

 

[Zacobite]

This month(6 months completed) even I tried to remove my limit set by them of 75,100 by sharing my documents again but this time they were unable to do so. Same for other amex card credit limits were not able to enhance.

how will LE happen if you are delayed on payments.. 🤔..Chg card no limit anyways.. other cards won't get LE until pay profile improves

 

[chiggybansal1]

One fine day when u have no expectations. They will surprise you with l.e ..
Just keep using

This will go off topic I will delete it, Can you please suggest best cards for grinding points, If i am capable of rotating money, till now I did Plat charge all milestone completed within 4-5 months used gold charge for nearly about 5-6 lakh (2 lakh because of festive offer but was not eligible as I did negligent mistake) mrcc for MR and used Magnus from july to now about 12 lakhs, these are the majors others are low. I just want profit or points out of this which I can cashout in Future. @DocFixIt @TechnoFino dada aap bhi online ho kuch advise dedo.

 

[Zacobite]

This will go off topic I will delete it, Can you please suggest best cards for grinding points, If i am capable of rotating money, till now I did Plat charge all milestone completed within 4-5 months used gold charge for nearly about 5-6 lakh (2 lakh because of festive offer but was not eligible as I did negligent mistake) mrcc for MR and used Magnus from july to now about 12 lakhs, these are the majors others are low. I just want profit or points out of this which I can cashout in Future.

just looking like a WOW.. 🤯🤯

 

[chiggybansal1]

just looking like a WOW.. 🤯🤯

aap bhi bta skte ho it is not restricted to them only.