I rekted my cibil score accidently

[itsme.sumit]

So i hold multiple hdfc credit card which all as a merged limit of 93k and i utilised almost all of it in april 2025 from hdfc moneyback plus and swiggy hdfc in 70-30% ratio. But at that same month i used my tata neu hdfc cc in dreamfolks for offer checking purpose as i was returning from delhi now the main thing is that 2 rupees was non refundable and i accidently ignored it also almost 2-3 months ago i updated my hdfc bank email address to a new one because of spam emails to my existing one but becauae of my laptop died and i did not setup any recovery email or mobile number it was asking for authentication from my old laptop so as i did not pushed my efforts further i was not recieving hdfc bank's notifcation via email and ngl i somehow missed that 2 rupees payment and the due date was 21th of may 2025 and i saw that on 1st june 2025 but it was too late till then and i recieved n email oj 6h june from hdfc officially that we f*cked your credit score as you did not paid that amount on time. I am not new in this game guys. I never did any intentional late payments till now and also as i said i almost utilised the whole limit by the same month and repaid on time too. Now i wrote emails to griviance and escelation emails of HDFC but they did not reponded even no reference id to that so i wrote the same to the pno today. I am just regretting the most rn. Please tell me if there's any possibility to undo the damage. It was totally unintentional.

 

[financewizard]

Similar thing happened to me. Refer my earlier post on similar issue - https://www.technofino.in/community...ed-due-date-for-hdfc-cc-cibil-impacted.35691/

Hopefully you can get it fixed with some feel good wordings.

 

[praful47]

Email karke dekh sakte hai .. shayad reporting correct kar de

 

[Aniket Sharma]

So i hold multiple hdfc credit card which all as a merged limit of 93k and i utilised almost all of it in april 2025 from hdfc moneyback plus and swiggy hdfc in 70-30% ratio. But at that same month i used my tata neu hdfc cc in dreamfolks for offer checking purpose as i was returning from delhi now the main thing is that 2 rupees was non refundable and i accidently ignored it also almost 2-3 months ago i updated my hdfc bank email address to a new one because of spam emails to my existing one but becauae of my laptop died and i did not setup any recovery email or mobile number it was asking for authentication from my old laptop so as i did not pushed my efforts further i was not recieving hdfc bank's notifcation via email and ngl i somehow missed that 2 rupees payment and the due date was 21th of may 2025 and i saw that on 1st june 2025 but it was too late till then and i recieved n email oj 6h june from hdfc officially that we f*cked your credit score as you did not paid that amount on time. I am not new in this game guys. I never did any intentional late payments till now and also as i said i almost utilised the whole limit by the same month and repaid on time too. Now i wrote emails to griviance and escelation emails of HDFC but they did not reponded even no reference id to that so i wrote the same to the pno today. I am just regretting the most rn. Please tell me if there's any possibility to undo the damage. It was totally unintentional.

Email them the real scenerio & ask them to correct the cibil as its just Rs.2

If they don't agree then One more thing you can do is to keep -2 in your card for some months statements & then again push for removing that entry.

 

[msd07]

When using credit cards one shud be very careful chking due dates, due amts very very often.. Surprising that u missed to check for almost 2 months.. Even more surprised hdfc didnt send any reminders to phone number?
All i see is about email id and not phone number in the post.

 

[drvirag]

I think dere is rbi regulation for reminder before any penalty or reporting to cibil. If u hv not received any call or sms then u cn complain rbi.

 

[Aniket Sharma]

I think dere is rbi regulation for reminder before any penalty or reporting to cibil. If u hv not received any call or sms then u cn complain rbi.

Ulta chor kotwal ko daate

 

[drvirag]

Ulta chor kotwal ko daate

Its just 2rs. It ws not his intention to not pay that. He genuinely forgot. And hdfc can easily remove that cibil report. But they r going legal way so he has also rite to go legal way.