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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 customer care for help, who provided me a direct upi id for making payment and I made payment of ₹1 which has also been recognised by bank (received a sms). I asked to take a request for reversal of reporting done on CIBIL as it wasn't my fault tbh, but he said he doesn't have any mechanism for taking such requests.
PS: I have had a credit history for 15 years with Nil overdues and don't want to ruin my CIBIL because of ₹0.9 non-payment. I'm thinking of escalating to PNO and hope they reverse it.
I would like to know your opinion/suggestions. Thanks in advance. Due date was July 10 and I have finally been able to make payment today.
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 customer care for help, who provided me a direct upi id for making payment and I made payment of ₹1 which has also been recognised by bank (received a sms). I asked to take a request for reversal of reporting done on CIBIL as it wasn't my fault tbh, but he said he doesn't have any mechanism for taking such requests.
PS: I have had a credit history for 15 years with Nil overdues and don't want to ruin my CIBIL because of ₹0.9 non-payment. I'm thinking of escalating to PNO and hope they reverse it.
I would like to know your opinion/suggestions. Thanks in advance. Due date was July 10 and I have finally been able to make payment today.
