How Paying Credit Card Bills in Cash Affect Credit Score

Written by kumarshailend

India has seen a remarkable surge in the usage of credit cards. Easier availability of such cards, relaxed eligibility criteria and a larger clientele thanks to a growing middle-class population are among the leading reasons behind the increasing number of new credit card users in the Indian market.

Also, the payment aspect has become easy with several payment options to choose from including NEFT, NACH facility, net banking/online payments, mobile wallets, and also the traditional cash payment method. One has to incur a charge of Rs. 118 when he or she chooses to pay credit bills in cash, which includes a GST of 18%.

All card issuers offer the facility of paying credit card bills with liquid cash. You have to go to any branch of the bank which issued you the credit card.

There you have to fill out a form, enter your credit card details and pay the amount in the relevant counter. You can also have the pick-up facility availed.

Credit score majorly depends on expense pattern and repayment history. The expense pattern is how much you spend and how you spend your credit limit. Repayment history means how promptly you repay your loans and credit bills.

Refer to leading credit cards such as the RBL Bank Credit Card which acts as an EMI card, credit card, loan card, and cash withdrawal card, all in one. You can avail an emergency personal loan against the card and repay in as 3 EMIs with a flat 2.5% processing fee and at no interest. It also offers interest-free cash withdrawal for up to 50 days against minimal processing fees.

There are other convenient credit card bill payment methods as well. You can issue cheques in favor of the credit card company to pay. You can pay via net banking through your savings account.

You can pay through mobile wallets without registering your credit card and the MyCard app of Bajaj Finserv if you have an RBL Bank Credit Card.


About the author



  • I am extremely inspired together with your writing skills as well
    as with the format to your weblog. Is that this
    a paid theme or did you customize it your self? Anyway stay up the nice high quality
    writing, it’s rare to peer a great weblog like this one

  • It’s appropriate time to make a few plans for the future and
    it is time to be happy. I have learn this put up and if I may just I want to
    recommend you few interesting issues or tips. Maybe you can write
    next articles relating to this article. I wish to learn more issues about

  • What’s up it’s me, I am also visiting this site on a regular basis, this web site is in fact nice and
    the viewers are genuinely sharing good thoughts.

  • Hi to every body, it’s my first go to see of
    this website; this webpage includes amazing and actually fine data for readers.

  • Hi there, just became aware of your blog through Google, and found that it’s really informative.
    I’m going to watch out for brussels. I’ll appreciate if you continue this in future.
    Many people will be benefited from your writing. Cheers!

  • Hi there, this weekend is fastidious for me, since this point in time i am reading this great informative article here at my house.

  • Hey i’m for the primary time here. I came across this board and I in finding
    It truly helpful & it helped me out much.

  • I love your blog.. very nice colors & theme. Did you make this
    website yourself or did you hire someone to do it for you?
    Plz reply as I’m looking to design my own blog and would like to find out
    where u got this from. kudos

  • I’m not that much of a internet reader to be honest but your sites really nice, keep it up!
    I’ll go ahead and bookmark your site to come back later on. All the best!

  • I’m really impressed with your writing skills as well as with the layout on your
    blog. Is this a paid theme or did you customize it yourself?
    Either way keep up the excellent quality writing, it is rare to see a great blog like this one nowadays.

  • Hello there! This post couldn’t be written any better!
    Going through this post reminds me of my previous roommate!
    He constantly kept preaching about this. I am going to send this post to him.

    Fairly certain he’s going to have a great read.
    Many thanks for sharing!

  • I feel that is one of the such a lot vital info for me. And i am glad studying your article. But want to remark on few basic things, The web site taste is perfect, the articles are really excellent.

  • Hello There. I found your blog using msn.
    This is a really well written article. I will make sure
    to bookmark it and return to read more of your useful information.
    Thanks for the post. I will certainly comeback.

  • Link exchange is nothing else but it is only placing the other person’s
    weblog link on your page at suitable place and other person will also do similar in support of you.

  • I’m really loving the theme/design of your weblog.

    Do you ever run into any internet browser compatibility
    issues? A number of my blog visitors have complained about my site
    not working correctly in Explorer but looks great in Chrome.
    Do you have any tips to help fix this problem?

  • Quality articles or reviews is the main to attract the visitors to pay a visit the site, that’s what this web page is providing.


Leave a Comment