How Does Late Payment Impact Your CIBIL Credit Score?

Late payments can have a significant impact on your credit score and financial health, often leading to higher interest rates, late penalties, and a drop in your credit score. Although different credit bureaus use different algorithms to calculate credit scores, a recent analysis revealed that even a 30-day delay in bill payments could cause your CIBIL™ score to drop by 100 points. In this article, we will explore how late payments can affect your CIBIL™ credit score and how a CIBIL score app helps you to check CIBIL score.

Impact of Late Payments based on the Number of Days Delayed

Let’s take a look at how the impact of late payments changes based on the number of days delayed. You can Check CIBIL score through the CIBIL score app.

  • Less than 30 days late 

If your credit card bill or loan EMI payment is delayed by less than 30 days, it doesn’t have much of an impact on your credit score. So, if you’ve forgotten to make a payment, ensure that you settle it before 30 days to minimize the effect on your credit score. 

However, note that, even if your bill/EMI is delayed by less than 30 days, you’ll have to deal with negative consequences like late payment fees and higher APR on your credit cards. 

  • 30-days Delay 

A 30-day delay will impact your credit score if it happens often. If it’s your first time delaying a loan EMI/credit card bill, the lender may be lenient with you, especially if you have been making payments on time in the past. You can Check CIBIL score on the CIBIL score app to avoid confusion.

So, a single 30-day late payment will not impact your credit score. However, if it happens often, it can cause your credit score to drop by as much as 100 points, taking your score from excellent to good, good to fair, etc.

To Check CIBIL score and track it, you can use the CIBIL score app. The app is designed to help you understand your CIBIL score, which is the most important factor that lenders use to assess your creditworthiness.

  • 60 days delay

When you delay your credit card bill/loan EMI payment by 60 days, it will be noted in your credit report. You can use the CIBIL score app to Check CIBIL score. Most lenders report to credit bureaus after every 30 days, so you’ll see the late payment on your credit report even if you don’t miss the payment. This late payment can cause a significant drop in your credit score.

  • 90 days delay

If you delay your payments by 90 days, your credit report will be marked as an NPA (Non-Performing Asset). Different lenders have varying criteria for NPAs, so this might not be the case with all lenders. Some may classify a 90-day-late payment as an NPA, while others may wait until the 120-day-delay mark. 

Once your late payment is noted in your credit report, it’s likely to remain there for seven years. This can have a huge impact on your future loan eligibility and the interest rates you’ll be offered. You can check the CIBIL score for NPA on the CIBIL score app.

  • More than 120 days delay

Once you cross the 120-days-delay mark, your late payment is classified as “collection” and noted in your credit report. This can cause a massive drop in your credit score, making it difficult to access loans or other financing options in the future.

It’s important to keep track of your credit score and make sure that you’re not falling behind on your payments. You can use a CIBIL score app to check CIBIL score regularly and make sure you’re on top of your payments.


Late payments can have serious repercussions on your credit score and history, as evidenced by the analysis showing a 100-point drop in CIBIL™ credit score due to a 30-day delay. The impact can be felt in other bureaus, too and can last up to seven years. One must also take preventive measures and keep tracking the CIBIL score app and Check CIBIL score to avoid financial loss in this type of situation.

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