Missed payment of 24 INR on Indusind legend

[shrirang]

Hello All,

I do not use the Legend card so didn't check the bill. There were charges from International spend, of INR 24 on the Legend card.

Bill was due on 24 Sept, but I paid today.

Will this result in CIBIL drop?

There was no extra charges while paying and account shows zero as pending now.

 

[akshayhs]

Possible. There's a gap of more than 3 days grace period.

 

[sxchzy]

cibil might show as a late payment not sure about the same
but i guess any default payment above the slab which levies interest is reported

 

[shrirang]

cibil might show as a late payment not sure about the same
but i guess any default payment above the slab which levies interest is reported

So I would have to wait and check if interest has been levied on 25 INR

 

[Deleted member 5552]

So I would have to wait and check if interest has been levied on 25 INR

😃 maximum Re 1 only...

But this may affect your cibil score if you didn't pay the minimum amount due... I think there is no minimum amount due for this bill as total amount due is less than 100

 

[sxchzy]

if bill is less than 100 rs no minimum amount due is generated and neither is late payment charges levied on the same
as for the interest any oustanding payments attracts interest afaik
but if op hasnt been charged no foul no harm

 

[D₹V]

Probably they won't report late


Even if they, request them to remove 😉.

 

[shrirang]

I talked to Customer care, and offered them card upgrade to Pinnacle if interest and CIBIL won't be affected.

They are saying as amount is less than 50 INR, CIBIL will not be affected/reported.

I am not sure, if they can charge interest after payment or it should have been done now if they had to?

 

[sxchzy]

if they say that it wont be affected shouldnt be a problem
as calls are recorded

 

[divykk]

similar thing happened to me with ICICI.
I had a due of Rupee 1.24 and ICICI reported delayed payment.
And probably affected my CIBIL.😔

Any way to make ICICI remove that?

 

[sxchzy]

as far as i know there is no interest due on any amount below 100 and no reporting late for it
not sure why icici reported it

 

[unusedbrain1]

as far as i know there is no interest due on any amount below 100 and no reporting late for it
not sure why icici reported it

Icici .
Hum hai na Cibil bigad dete hai .
Kayal appka aise rakhte h.


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