Cibil Score query

[GUNJANVYAS]

Dear All.. i have personal loan from standard charted.. now only 4 installment pending.. i pay all regularly but in last installment i had half balance so they deducted it and raised bounce charge.. then after 2 days i received balance and they deducted balance money with bounce charge.. i request them and they reverse the bounce charge..

but within 5 days i fully paid my installment .. so does it affect my cibil score?

Pls guide

 

[GURUWALKE]

Dear All.. i have personal loan from standard charted.. now only 4 installment pending.. i pay all regularly but in last installment i had half balance so they deducted it and raised bounce charge.. then after 2 days i received balance and they deducted balance money with bounce charge.. i request them and they reverse the bounce charge..

but within 5 days i fully paid my installment .. so does it affect my cibil score?

Pls guide

Yes it will show 5 day delayed payment ur score will decrease by some points. But after sometime score will increase but delayed payment will be there for some time

 

[hitirfan]

Delayed payment has huge impact on Credit Score for some time. Let's hope the bank doesn't report late payment to Credit Bureaues. In case, they report that, request them to remove the same.

 

[GUNJANVYAS]

I discussed with bank n as per them ..it affect if it is for 1 month..but for 5 days delay it will not affect

 

[GUNJANVYAS]

I discussed with bank n as per them ..it affect if it is for 1 month..but for 5 days delay it will not affect