Paid credit card bill to other credit card.

Paid credit card bill to other credit card.

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I have both amazon and platinum credit card. However, I paid the Amazon credit card bill to platinum credit card.
What should I do now?
I just now settled the bill in that card too.

How much I will be charged?

34 Comments  |  
12 Dimers
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But should I be charged? Because both credit card uses same limit but Payment is not same. That’s not fair

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Will I be charged for late payment? : flushed:

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DealBroker23 wrote:

Will I be charged for late payment? : flushed:

bill due date? paid on? how much paid?

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caks2006407 wrote:

bill due date? paid on? how much paid?

17th May,
19th May

Wrong payment was made on 12th May
Bill amount less than 200
But I don’t want to pay the late fine of 100 cry

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Is there any way the person with a lot of credit card do to manage the bill payment 4-5 days before the due date?
Normal scheduling pays just after the bill generation as far as i know.

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saichand.sanka wrote:

True…Still I feel misleading title smile

So, you are thinking that i made the payment to your credit card?

Very Unlikely.

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DealBroker23 wrote:

Is there any way the person with a lot of credit card do to manage the bill payment 4-5 days before the due date?
Normal scheduling pays just after the bill generation as far as i know.

Change the bill generation date of all cards to same date, so due will fall more or less nearby dates. Pay all at same time.

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DealBroker23 wrote:

So, you are thinking that i made the payment to your credit card?

Very Unlikely.

By seeing title, I thought that you are giving some trick to pay credit card bill from another credit card without charges.

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Very misleading title…. Had so much hopes before opening this post

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Why is the title misleading? If i wrote via then the title is misleading.

Now coming back to original question. It is very unfair that the credit amount is distributed among 2 credit cards but not the payment amount.

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DealBroker23 wrote:

Is there any way the person with a lot of credit card do to manage the bill payment 4-5 days before the due date?
Normal scheduling pays just after the bill generation as far as i know.

Try “SMS Organizer” App by Microsoft . Reminders Tab lists all your credit cards with the date with nearest payment date at the top.

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zenithyadav wrote:

Try “SMS Organizer” App by Microsoft . Reminders Tab lists all your credit cards with the date with nearest payment date at the top.

I use this app. But, I guess this card bill was not showing or might be showing not remember.

But, this payment will be a good lesson for me to cross check before making any credit card payment and also verify if the payment is received by the bank.

Also, Will I not be charged because of Covid-19? I guess for that I had to select some option that will still incure the interest but not the late fee (late fee is what i was worried about)

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DealBroker23 wrote:

Is there any way the person with a lot of credit card do to manage the bill payment 4-5 days before the due date?
Normal scheduling pays just after the bill generation as far as i know.

I have been doing that always for last 6 to 7 years now. All my cards are set up in netbanking. The moment I receive the bill, I set up a post dated payment for full amount about 5 days prior to due date. The transaction triggers on the fixed date.

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DealBroker23 wrote:

17th May,
19th May

Wrong payment was made on 12th May
Bill amount less than 200
But I don’t want to pay the late fine of 100 cry

If you have ICICI Savings account, pay directly for account today. It will reflect on today’s date. They normally give 2 to 3 days grace period before charging late fine.

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panchabhut wrote:

If you have ICICI Savings account, pay directly for account today. It will reflect on today’s date. They normally give 2 to 3 days grace period before charging late fine.

Total due around 1200, refund of 1500 credited before due date. ICICI still sending me SMS to pay saying its overdue.. AFAIK i knew ICICI considered refund as payment.

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GoogleCA wrote:

Total due around 1200, refund of 1500 credited before due date. ICICI still sending me SMS to pay saying its overdue.. AFAIK i knew ICICI considered refund as payment.

I knew it otherwise. Pls pay the total due. The refund will be adjusted in next cycle.

ICICI is one cheat in this scenario.. expressionless

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panchabhut wrote:

If you have ICICI Savings account, pay directly for account today. It will reflect on today’s date. They normally give 2 to 3 days grace period before charging late fine.

I paid through mobikwik and it got reflected today itself. I did not except that from Mobikwik

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panchabhut wrote:

I have been doing that always for last 6 to 7 years now. All my cards are set up in netbanking. The moment I receive the bill, I set up a post dated payment for full amount about 5 days prior to due date. The transaction triggers on the fixed date.

Explain netbanking?

Which bank and what service.

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DealBroker23 wrote:

Explain netbanking?

Which bank and what service.

Bank – ICICI & DBS
Netbanking service is almost same for all major banks.

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GoogleCA wrote:

Total due around 1200, refund of 1500 credited before due date. ICICI still sending me SMS to pay saying its overdue.. AFAIK i knew ICICI considered refund as payment.

No. Amex, Citi and HSBC do that. ICICI, HDFC, Axis do not. You need to pay minimum amount. Refund credit would be adjusted only in next billing cycle.

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rohan8397 wrote:

Very misleading title…. Had so much hopes before opening this post

Parki aasha sadaa nirasha

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DealBroker23 wrote:

17th May,
19th May

Wrong payment was made on 12th May
Bill amount less than 200
But I don’t want to pay the late fine of 100 cry

Payment done within 3 days after due date ?

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_One_Miller_ wrote:

Payment done within 3 days after due date ?

Actually, I made a payment to my platinum card before due date.

When I saw a message that the payment (APAY CARD) was not made I made the payment on 19th (reflected in statement) but the due date was 17th

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_One_Miller_ wrote:

Payment done within 3 days after due date ?

Does making payment within 3 days after due date wont cost me late fine?

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DealBroker23 wrote:

Does making payment within 3 days after due date wont cost me late fine?

There’s grace period of 2 to 3 days as per RBI guidelines. You can also ask CC.

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