Missed by Credit Card payment by 6 days.
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Missed my BOB credit card payment due on 4th Nov. Realized today (10th Nov) and cleared the outstanding balance of ₹15,729 immediately.
Surprised and disappointed that there were no reminders from BOB via WhatsApp or SMS. Even the apps I use like Cred/Mobikwik missed tracking this due. Instead of reminding about payments, BOB only sends spam messages about loans.
Wondering what the consequences might be in terms of late fees or impact on my credit score.
Just FYI, I’ve been using credit cards for 6 years and have never missed a payment before. While I should have been more proactive in tracking it, I guess I got used to relying on these apps for reminders.
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Cred always sent whatsapp/email reminders
Mobikwik used to track it but not this time.
I think may be it is due to changes related to BBPS.
If any late fee got applied, then call bank and told it's first time kindly co-operate
No late fee , cibil.will be impacted, and the missed payment mark in cibil will reflect.
Happened to me, around 3 months back, for same BoB card and there were no reminders. I Missed it by 4 days and I was charged some 750+ GST for 1.7k payment. Mailed them about it being my first missed payment in 10+ years; had no hope but was surprisingly refunded and there was no impact on CIBIL as well.
I missed payment by 4 days but there was a weekend in between, dunno if Bank holiday matters!
raise a complaint to RBI for miscommunication. mother duckers needs be held accountable
Hopefully nothing.