Total Timely Payments Count Increase Guide for all Credit Bureaus.

[TheTrickySid]

Bank Name​	Reports bill payment to CIBIL for no spends. (Yes/No)​
AMEX	Yes
AU Bank
Axis
BoB	Yes
Citi Bank	Yes
Federal Bank	Yes (OneCard)
HDFC Bank	Yes
HSBC
ICICI Bank	Regular Card - No ; Apay Card - Yes​
IDFC Bank	Yes
Indusind	Yes
Kotak	Yes
RBL	Yes
SBI	Yes ; still need confirmation from someone.
StanC
Yes Bank	Yes

Credit Cards​

Name​	Reports to CIBIL for no spends. (Yes/No)​
Cred
Paytm Postpaid
Ola Money Postpaid (IDFC)	Yes
Flipkart Pay Later (IDFC)	Yes

BNPL​

 

[TheTrickySid]

What does "XXX" mean? I noticed that ICICI reports this a lot on one of my cards.

 

[xiddy]

Is that because I don't use this card? And is it a good idea to do at least a small transaction on all your cards?

 

[TheTrickySid]

Is that because I don't use this card?

Yes

And is it a good idea to do at least a small transaction on all your cards?

Absolutely
But you can ignore some cards that report, follow the table mentioned above

 

[xiddy]

Thanks!

Yes

Absolutely
But you can ignore some cards that report, follow the table mentioned above

 

[Cosmicgaze]

had defaulted my hdfc cc for three months and it got closed. I cleared the dues. Since 2017 till now cibil shows reported and certified date last month date (guess that means they are still updating it?) even though it’s marked closed.

 

[Bugs Bunny]

Hey folks if a bill gets generated of x rupees on 20th and reporting dates of Bank is 30th and if I pay on 25th will thae total payment count increase? or do I need to pay after 30th to increase the total payment count?

@TechnoFino @4uziaul @HyperBeast

 

[TheTrickySid]

Hey folks if a bill gets generated of x rupees on 20th and reporting dates of Bank is 30th and if I pay on 25th will thae total payment count increase? or do I need to pay after 30th to increase the total payment count?

@TechnoFino @4uziaul @HyperBeast

Yes it'll increase.

Reporting date is only useful to take care of the credit utilisation.

 

[Bugs Bunny]

T

Yes it'll increase.

Reporting date is only useful to take care of the credit utilisation.

Thankyou for the reply sir

 

[doineedto]

Can confirm for SBI. Haven't used the card for a year now. Still reported in CIBIL.

 

[dhiraz]

Hey @TheTrickySid Please Mark IDFC as Yes











As You Can See in The Image No. 3 4 6 7 No Spending In These Statements

But IDFC Report Total 7 On Time Payments - Screenshot From Google Pay & OneScore

 

[TheTrickySid]

Hey @TheTrickySid Please Mark IDFC as Yes











As You Can See in The Image No. 3 4 6 7 No Spending In These Statements

But IDFC Report Total 7 On Time Payments - Screenshot From Google Pay & OneScore

Sure,
Thanks for your input

 

[Bugs Bunny]

Did anyone get to know about axis? Bill isn't generated but paying it early.