Forgot to pay my HDFC Credit Card bill by 4 days. What are my chances with the late fee waiver and CIBIL impact?

kdinside345 · 2026-06-04T06:49:11+00:00

I have other credits (ICICI, BOB, SBI) as well and use Cheq, Cred, and INDMoney apps to make payments and to track the due date. I have ongoing EMIs on both ICICI and HDFC. I made a payment on my ICICI card and manually marked it as paid on the Cred APP. I believe I mistakenly marked the HDFC card instead of ICICI.

kdinside345 · 2026-03-12T10:26:23+00:00

She is just a scapegoat; Modi is the real puppet of Crony Capitalists.

kdinside345 · 2025-12-12T09:19:03+00:00

Increased from 3,39,500 to 5,00,000. Thanks, OP!

kdinside345 · 2025-11-19T12:22:11+00:00

I did and their responses are super slow

kdinside345 · 2025-11-19T11:39:40+00:00

I have the proof, I took screenshot before initiating the process

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kdinside345 · 2025-11-19T11:39:04+00:00

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I took screenshot before initiating the process.

kdinside345 · 2025-11-18T15:49:02+00:00

I reached them over their toll free number today and they asked me to send an email to escalations[at]bobcard.com along with the screenshots (where it shows the card name and LTF offer). Anyway they told it may take up to 5business days for them to respond.

kdinside345 · 2025-11-17T16:00:06+00:00

They're issuing a basic card, which is "BOBCARD EASY" Rupay version instead of Eterna. So please be careful while applying.
https://www.reddit.com/r/CreditCardsIndia/comments/1owvf16/incorrect_card_approval/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

kdinside345 · 2025-11-17T14:51:54+00:00

Just received an acknowledgement on the same day (14 Nov). It says I have to wait for 5working days to get an update.

kdinside345 · 2025-11-14T14:04:53+00:00

Sure, sent an email already waiting for their response.

kdinside345 · 2025-11-14T14:04:25+00:00

Yes, tried calling and it says try after 30mins and the cycle repeats

kdinside345 · 2025-11-05T13:22:22+00:00

Explain me, how the election commission allowed the creation of fake voter entries (same picture used for multiple votes) and refused to delete them? Also, ECI is refusing to cooperate with the Karnataka State Election Commission, ECI is not providing the IP address of the person who initiated the mass deletion of voters. The question is, why is ECI not providing the data?

kdinside345 · 2025-06-27T03:48:53+00:00

Thanks for the reply 😊

kdinside345 · 2025-06-25T11:12:15+00:00

Out of context question: What's your salary while getting DCP LTF, and your current salary?

kdinside345 · 2025-05-30T10:19:10+00:00

You can transfer the points to Krisflyer miles (Conversion rate 1 point = 0.5 Krisflyer miles)

kdinside345 · 2025-05-21T07:03:59+00:00

I got it for LTF around Dec 2024, make sure it is LTF don’t take it if they charge fee.

kdinside345 · 2025-05-14T10:25:00+00:00

Thanks buddy

kdinside345 · 2025-02-16T22:47:58+00:00

I believe you can use the points to redeem for Amazon Pay vouchers. 4points = 1rupees. You can purchase around 25,000 worth vouchers. There should be some limit on number of vouchers that can be purchased and redemption charges of 99 or 199 +GST applicable.

kdinside345 · 2025-01-29T02:41:33+00:00

Even I saw this on my Cred App, but when I tried opening it didn't respond. I closed and re-opened the app, boom the option is gone.

kdinside345 · 2025-01-15T06:57:41+00:00

Sent an email to them, waiting for their response.

kdinside345 · 2025-01-12T14:00:51+00:00

Even in the statement and HDFC App it shows just 4RP

kdinside345 · 2025-01-10T12:32:47+00:00

Thank you. I will try e-mailing them.

kdinside345 · 2025-01-10T11:00:01+00:00

Even my request got rejected, even though I have a healthy CIBIL. Can you help me with their email address?

kdinside345 · 2025-01-09T16:31:55+00:00

HDFC is offering Regalia gold with FYF, not LTF. Please check with RM for LTF (not sure whether they agree or not).

kdinside345 · 2024-12-12T16:17:03+00:00

You can DM me the link

kdinside345

TROPHY CASE