daregreatly17
New member
So I did a blunder recently, all because of my negligence. I have two credit cards, ones due date is 4th and the others 16th . I confused them with being 6th and 14th, as a result I made payment of one card two days later and one payment 2 days earlier . Now I applied for a small loan from a bank they processed everything and then said it can't be approved becoz i had defaulted on a payment. I said no I didn't , infact I pay extra and before due dates. They said no it is showing in cibil and when I enquired myself and checked the statement, it was indeed a late payment on my first card , by 2 days , paid on 6th instead of 4th and paid on 14th instead of 16th on the other . This created a late payment of 2 days on one card and hence they rejected my loan even though my cibil was 790. Now I will speak to them tomorrow, but I am just asking for reference, will this be accepted coZ it's only 2 days and barely 5k rupees? Or should I wait for 3 months before I reapply, will that work ? The bank is icici