Will ICICi report a 10 Rs outstanding as late payment to CIBIL / Credit Bureaus?

[sanx]

I got an ICICI card last month and spent only 10rs to activate the card. My due date for that statement was on 20th June. But I guess I completely forgot about that spend. Today on 26th June I remembered and immediately cleared the bill.

I have multiple other cards which are my primary cards, took Icici Coral LTF just for offers during sales

Do you think ICICI will report this 10rs outstanding as late payment to CIBIL? 😅


I think I read on some thread in TF or somewhere else that banks usually do not report outstanding of less than INR 100 to credit bureau.

I have no late payment history till date and hoping not to get a late payment record 😅

Also in case they do report, do you think if I request them they might remove the late payment record?

 

[RDR]

Also in case they do report, do you think if I request them they might remove the late payment record?

Have you reached out to customer care?

 

[harsh_ujjwal]

I got an ICICI card last month and spent only 10rs to activate the card. My due date for that statement was on 20th June. But I guess I completely forgot about that spend. Today on 26th June I remembered and immediately cleared the bill.

I have multiple other cards which are my primary cards, took Icici Coral LTF just for offers during sales

Do you think ICICI will report this 10rs outstanding as late payment to CIBIL? 😅


I think I read on some thread in TF or somewhere else that banks usually do not report outstanding of less than INR 100 to credit bureau.

I have no late payment history till date and hoping not to get a late payment record 😅

Also in case they do report, do you think if I request them they might remove the late payment record?

Even one paisa due is reported to cic.. You may approach your bank for removal of late payment. Do check your credit score whether they have reported it??

 

[sanx]

Have you reached out to customer care?

Not yet, planning to send an email today.

Even one paisa due is reported to cic.. You may approach your bank for removal of late payment. Do check your credit score whether they have reported it??

I checked my credit score via paisabazaar. I think its not the most updated version of CIBIL yet, since it says "Next Report On: 29 Jun '25" or maybe bank has not reported it yet. It has been 6 days from the due date that I cleared the due.

Will keep checking over the next few weeks.

I am planning to reach out to customer care now only, even before they report. Or will that be unwise?

 

[harsh_ujjwal]

Not yet, planning to send an email today.

I checked my credit score via paisabazaar. I think its not the most updated version of CIBIL yet, since it says "Next Report On: 29 Jun '25" or maybe bank has not reported it yet. It has been 6 days from the due date that I cleared the due.

Will keep checking over the next few weeks.

I am planning to reach out to customer care now only, even before they report. Or will that be unwise?

Yeach, reach out to cx care.

 

[drvirag]

100% they will report. I think around 30. Bt If u contact now they can't do anything as its nt reported now. But even after reporting i dont think dey will remove it. Its very difficult. Try card closure request then they might remove it.

 

[Abhi21]

I think late fee is reported after 3 grace period after due date but if you pay MAD then your cibil will not fall.
Correct me if I am wrong.

 

[harsh_ujjwal]

I think late fee is reported after 3 grace period after due date but if you pay MAD then your cibil will not fall.
Correct me if I am wrong.

No question of MAD over here as only Rs 10 was due. It was supposed to be paid in full.
Otherwise you r rite