Whenever you delay any payments, it will adversely affect your CIBIL report and will reduce your score. The late payments get recorded in your CIBIL report and make it hard for you to qualify for loans in the future. When you make late payments, it will affect the loans you will apply for in the future, the eligibility criteria lenders have set for credit card applications, and getting the best deals, such as interest rates, high limits of credit cards, loan amount, etc. Hence, you can pay dues and bills on time and check CIBIL score through the official portal of the credit bureaus you have opted for or install the CIBIL score app.

    Effects of Pay Late on Your CIBIL Score

    You can sign up on the official platform of the Credit Information Bureau India Limited to check CIBIL score. You can use the CIBIL score app because the app will be more convenient. The impact of late payments depends on the number of days you are late in making your payments. The effects of late payments on your CIBIL score are as follows:

    Below Thirty Days

    If you delay paying your bill or EMI payment by below thirty days, it may not affect your CIBIL score heavily. If you forgot to make the payment, you could settle it within thirty days to avoid any impact on your CIBIL score. You can face the consequences, such as paying late fines or a high annual percentage rate on your credit cards.

    Thirty Days Late

    If you often pay late by thirty days, it can hamper your CIBIL score. For the first delay, lenders might be lenient if you paid on time in the past. One thirty-day late payment will not heavily impact your CIBIL score, but if late payments become a habit, your CIBIL score may stay high, taking your good scores down. 

    Sixty Day Late

    If you pay by almost sixty days late, it will heavily hamper your CIBIL score. Sixty days late payment will be recorded in your CIBIL score, and many lenders report to credit agencies at least once in thirty days.

    Ninety Days Late

    Suppose you need to pay an outstanding credit card bill or EMI payment for above ninety days. It will show up in your CIBIL report, and you will be categorised as a Non-Performing Asset. It is important to remember that various lenders have different criteria for Non-Performing Assets. A few lenders categorise a ninety days late payment as a Non-Performing Asset, and some classify a 120 days late payment as a Non-Performing Asset. Suppose a late payment is recorded in your CIBIL report. In that case, it may remain for seven years and affect your eligibility criteria when you apply for loans and interest rates.

    Above 120 Days Late Payment

    If you make payments over 120 days late, the late payment will be categorised as collection and recorded in your CIBIL report. Such late payments will drop your CIBIL score to an extremely low level. 

    A single failed or missed payment can adversely harm your CIBIL score. The effects of a single late payment might not be manageable, but they will have some impact and reduce your credit ability. Lenders might not approve your application for a new loan or credit card and might decrease your credit limit if they approve your application when they see your low CIBIL score. Before sanctioning your application for a credit card and lending you a high credit limit, firms issuing credit cards ensure that your payment history is clean. 

    You can check CIBIL scores from any credit bureau in India. Many people prefer the Credit Information Bureau India Limited. You can sign up on the website and check your credit report. To check CIBIL score effortlessly, you can download the CIBIL score app.


    Building good financial habits is one of the most crucial aspects of retaining a CIBIL score. Many people belittle the significance of paying dues on time and paying bills after the due date. Thus, it is essential to understand the importance of the CIBIL score for good financial health. Just like you go for frequent health checkups, it is necessary to check your CIBIL score frequently. You can check CIBIL score online with the help of the Credit Information Bureau India Limited or download the CIBIL score app. You can ensure to have a score of around 750 to enjoy great benefits.


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