Failed idfc credit card payment
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On 9th of march , my idfc credit card bill was due. I paid my bill in multiples of 10k.
On the last 10k payment the payment via their app started failing. Tried 6-7 times for the whole day but couldn’t get the payment done through any method. 2 times even money was debited but not credited to card. Called up customer care , they said i don’t need to worry as if the payment is debited from the bank on 9th of march i won’t be charged interest or late payment charges.
I was still worried so i tried paying the remaining 10k through cred app , which worked but the status in cred app also said confirmation pending from idfc bank for 2 days after 9th of march.
On 11th of march the amount that was debited from paying through idfc app was refunded to my bank , after a few hours cred app payment was shown as processed and showed in idfc app as well.
Now I’m confused as to if I’ll be charged interest or late payment charges on this.
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Don’t worry! There are exceptions. If you get charged, you can contact customer support and get it reversed as your intention was to pay in full, which can be determined from your bank statement.
see the credit date in app not processed date.
Credit date in idfc app shows as 11th of march
If you tried payment via their own bank acc then even if payment fail they shouldn’t levy any charge. If it is via 3rd party then it depends on what is the grace period of idfc credit cards. Reporting to cibil is something that entirely depends on bank though because I think even if bank does not levy any late payment charge they still have to report the correct date of settlement/payment towards credit card dues.
i asked to check because payment through paytm, mobikwik . amazon…always reported as real transaction date…even if credited after 3 days. @guest_999
@guest_999 @Smak @Scorpion @PowerStar @pranavcool @prem4998