should I pay credit bill of add on card seperatly

48°
Deal Cadet
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Hey, guys

Recently I have got icici rubyx dual card , i have spent around 6~7k on each card (amex and master) .
Usually i pay cc bill bills before even bill generates.
So I need suggestions and knowledge about how dual cards bill payment (or add on card )
Should be done,

Q1. If I pay suppose 16k on amex will that also be considered for MasterCard bill payment as both share the same quotas.
Or i should pay the bills seperatly of each card.

Please guide.
TIA

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You can pay to any one of the card (amex or master) . It will be considered as payment irrespective of the cards and due amount you have.

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deals44u wrote:

You can pay to any one of the card (amex or master) . It will be considered as payment irrespective of the cards and due amount you have.

Thanks for clearing the doubt.

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Pay as per bill generated so tracking would be easy
Why pay even b4 bill generated? Its a loss4u.
Pay 1 week before due date.

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caks2006407 wrote:

Pay as per bill generated so tracking would be easy
Why pay even b4 bill generated? Its a loss4u.
Pay 1 week before due date.

Thanks,
I pay before the bill generation about (95% of the amount) so that only little amount like 1k will be reported by cc to cibil .
I used to do this to quickly build cibil score. I had taken major hits when i was aiming for icici amazon pay card .
Hopefully It will improve ,
Thanks for the advice I will follow it now as I have finally got some decent credit limit.. earlier it was also a necessity ,had just 21k limit on first unsecured card by hdfc .

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dark.demon wrote:

Thanks,
I pay before the bill generation about (95% of the amount) so that only little amount like 1k will be reported by cc to cibil .
I used to do this to quickly build cibil score. I had taken major hits when i was aiming for icici amazon pay card .
Hopefully It will improve ,
Thanks for the advice I will follow it now as I have finally got some decent credit limit.. earlier it was also a necessity ,had just 21k limit on first unsecured card by hdfc .

Just curious, aren’t the reports to CIBIL done at the end of the month irrespective of the statement generation date?

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andromeda wrote:

Just curious, aren’t the reports to CIBIL done at the end of the month irrespective of the statement generation date?

Afaik last bill payment is reported to cibil alongwith bill  amount

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andromeda wrote:

Just curious, aren’t the reports to CIBIL done at the end of the month irrespective of the statement generation date?

It is, but most people (at least me) have their billing date as 28th; so his approach is better if you want to recover your cibil score quickly (I personally used this to recover like 42 points in just 3 months laughing )

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BlueFlash wrote:

It is, but most people (at least me) have their billing date as 28th; so his approach is better if you want to recover your cibil score quickly (I personally used this to recover like 42 points in just 3 months laughing )

How much is your cibil score now? smile

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guest_999 wrote:

How much is your cibil score now? smile

It’s 790 right now; It used to be 800-810 in general; but recently I have been applying for cc very often, so it fell down to 760, then got it up back… hoping to be 800+ in another 2-3 months wink

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BlueFlash wrote:

It’s 790 right now; It used to be 800-810 in general; but recently I have been applying for cc very often, so it fell down to 760, then got it up back… hoping to be 800+ in another 2-3 months wink

Similar situation here but in my case it was the idiotic card representatives of kotak bank who did 2 hard enquiries & still rejected the application(this after assuring me card is pre-approved) that made a drop of 28 points in my cibil score last month.

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