Credit Card CIBIL/ Experian Reporting Date

[ShavirB]

Hi All,

To maximise your Credit Score, your Credit Utilization must be kept below 30%. For this we should know on which date your Card Issuer/ Bank sends monthly reports to Credit Bureau (CIBIL, Experian, etc) so that we can clear our CC Outstanding before this date..

Sharing this data for a Couple of Card Issuers that I know of

HDFC Bank - End of Month (30/ 31st)
SBI Cards- 3 Days Post Bill Due Date

Please keep adding data for Other Credit Cards

 

[Ganesh_Shinde]

@ShavirB
Adding to the thread
Bank Of Baroda - 30 or 31st of every month.
ICICI Bank - Bill generation date
AMEX - Bill generation date.

 

[Hema Kulkarni]

@ShavirB

Adding to the thread
CSB (Jupiter) - 30/ 31st
Kotak - 30/ 31st

 

[Manoj Kohli]

IDFC - 30 or 31st of every month
Stan C - 30 or 31st of every month
Yes Bank - 30 or 31st of every month
Axis Ace CC - Bill Generation Date
Axis all other CC - 30 or 31st of every month

 

[Bharatiya Nagrik]

Onecard by Federal Bank - Bill generation date.
IndusInd - 30th or 31st of every month
RBL - Bill generation date.

 

[wcgxlr8]

Thank you, please pin this

 

[Nmahe17]

Bob / HDFC / Kotak - 30/31
RBL - Bill generation dt.
Sbi 3days after due date but i noticed the complete bill amount was updated for example my bill dt was 5june and due dt was 25 june. As of 28june outstanding was 36352 but in cibil it included txn of 2480 done on 4 july jst one day before bill dt 5 july Totaling 38832(jst reporting on 3days after due dt but report the bill amount)

 

[Teja-]

Bob / HDFC / Kotak - 30/31
RBL - Bill generation dt.
Sbi 3days after due date but i noticed the complete bill amount was updated for example my bill dt was 5june and due dt was 25 june. As of 28june outstanding was 36352 but in cibil it included txn of 2480 done on 4 july jst one day before bill dt 5 july Totaling 38832(jst reporting on 3days after due dt but report the bill amount)

 

[Nmahe17]

I want to say reporting dt is 3days post due dt. But reporting amount is the complete billing amount. I will prove this with three example with 3 different post.
Case 1
Bill dt. 18
Due dt. 7
Reporting dt. 11

As of above image my outstanding as of 11/7 were 15156
But check my cibil update
It clearly shows reporting dt. Is 11/7 but doesn't update the outstanding as on the reporting dt. Instead update billing amount.

 

[Nmahe17]

Case 2
Bill dt. 5
Due dt. 25
Reporting dt. 28
As of 28 (reporting dt.) Outstanding was 5911

But in cibil....

The same amount was billed that was updating in cibil. As it includes the two transactions done after the reporting dt. Till bill dt.

 

[Nmahe17]

Case 3 (intresting one)
Bill dt. 5
Due dt. 25
Reporting dt. 28

Here no Transaction after reporting dt. Till billing dt. So outstanding as of 28 and billing dt gets same
And finally this case also satify the condition.

 

[Nmahe17]

Hope now you can understand that for sbi reporting dt. Is 3days post due dt. But reporting amount is billing amount.
* Don't confuse in total limit i recently got my limit transfer
* Also analyse properly so you can get example of experian also.
Hope it helps.
#SBI Reporting Date #Sbi Utilization Reporting #Cibil Reporting #Sbi Cibil Reporting # Sbi Cards

 

[Rohit2005]

Hi All,

To maximise your Credit Score, your Credit Utilization must be kept below 30%. For this we should know on which date your Card Issuer/ Bank sends monthly reports to Credit Bureau (CIBIL, Experian, etc) so that we can clear our CC Outstanding before this date..

Sharing this data for a Couple of Card Issuers that I know of

HDFC Bank - End of Month (30/ 31st)
SBI Cards- 3 Days Post Bill Due Date

Please keep adding data for Other Credit Cards

What about One Card BOB and Niyo Dcb Bank reporting date?

 

[royalk2c]

What about AU bank CC?
Like: AU Lit CC

 

[ironreaper]

How did you all know when does the Bank send the credit report data to CIBIL, etc , I only know the bill generation date and I have IDFC First Wow Credit Card recently got it in Decemeber only and its Bill generation date is 17th of every month !!

 

[ironreaper]

Case 3 (intresting one)
Bill dt. 5
Due dt. 25
Reporting dt. 28
View attachment 1511
Here no Transaction after reporting dt. Till billing dt. So outstanding as of 28 and billing dt gets same View attachment 1512
And finally this case also satify the condition.

How are you checking this report the second one which app is it ?

 

[luciferocious]

Hi All,

To maximise your Credit Score, your Credit Utilization must be kept below 30%. For this we should know on which date your Card Issuer/ Bank sends monthly reports to Credit Bureau (CIBIL, Experian, etc) so that we can clear our CC Outstanding before this date..

Sharing this data for a Couple of Card Issuers that I know of

HDFC Bank - End of Month (30/ 31st)
SBI Cards- 3 Days Post Bill Due Date

Please keep adding data for Other Credit Cards

HDFC has started weekly reporting I think so now

 

[harsh_ujjwal]

HDFC has started weekly reporting I think so now

Yeah.. HDFC is reporting weekly to credit bureaus.

 

[@Ni]

Hi All,

To maximise your Credit Score, your Credit Utilization must be kept below 30%. For this we should know on which date your Card Issuer/ Bank sends monthly reports to Credit Bureau (CIBIL, Experian, etc) so that we can clear our CC Outstanding before this date..

Sharing this data for a Couple of Card Issuers that I know of

HDFC Bank - End of Month (30/ 31st)
SBI Cards- 3 Days Post Bill Due Date

Please keep adding data for Other Credit Cards

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