When you pay more than your billed amount the excess amount in your statement shows as negative (-) which means you paid extra suppose you have bill of 1000 and you paid 1010 so there will be -10 in your statement.
If the cards are closed then it really wont be reported, if they are active it will be added on top of the limit of the CC but its not that important in overall CIBIL perspective. At least from what I can understand, I could be wrong.
If the cards are closed then it really wont be reported, if they are active it will be added on top of the limit of the CC but its not that important in overall CIBIL perspective. At least from what I can understand, I could be wrong.
Negative balance doesn't affect credit score. But it's good to make it zero by writing mail to bank to kindly zeroise the balance with or without refund as per u. I also made zero of my 2 cc this way . Bank will do quickly.
Negative balance doesn't affect credit score. But it's good to make it zero by writing mail to bank to kindly zeroise the balance with or without refund as per u. I also made zero of my 2 cc this way . Bank will do quickly.
