itsme.sumit
TF Buzz
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.
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