By mistake (due to a glitch in a repayment app), short payment of 1000 in Credit Card.

[jrshiva]

Hi all,
I recently paid my credit card bill. The total due was around ₹33,000, and the minimum due was about ₹2,400. However, the app I used showed ₹32,000 as the amount to be paid before the due date (30th April 2025), so I ended up paying ₹1,000 less by mistake of the payment app (I already raised an issue with them and Bank).

Because of this short payment, my latest statement included a late payment fee and interest charges. I just want to know — will this short payment of ₹1,000 affect my CIBIL score or be reported in my credit report?

P.S.: After receiving the latest statement, I immediately paid the full outstanding amount, including the penalty and interest, on 12th May 2025.

I’m really worried about my CIBIL score being affected. Please help!

 

[amitvicky]

Hi all,
I recently paid my credit card bill. The total due was around ₹33,000, and the minimum due was about ₹2,400. However, the app I used showed ₹32,000 as the amount to be paid before the due date (30th April 2025), so I ended up paying ₹1,000 less by mistake of the payment app (I already raised an issue with them and Bank).

Because of this short payment, my latest statement included a late payment fee and interest charges. I just want to know — will this short payment of ₹1,000 affect my CIBIL score or be reported in my credit report?

P.S.: After receiving the latest statement, I immediately paid the full outstanding amount, including the penalty and interest, on 12th May 2025.

I’m really worried about my CIBIL score being affected. Please help!

Yeah... It would to a small extent, as it will stay in report as num-late-payments = 1.

As you are already talking to the bank probably they might agree to reverse the charges and also update report i.e. Remove late payment remark.
You will need to be patient and request them in polite manner as they are not at fault this time.

 

[jrshiva]

Thanks Amit for helping, will update once I get something so will be helpful for others too in future.