If you have an SBI credit card and have not checked your CIBIL score in the last 48 hours, stop whatever you are doing and check it right now. Something went wrong on SBI’s end, and thousands of cardholders are paying the price for it through no fault of their own.
What Is Happening
Several SBI Card customers have reported that their July credit card bills were incorrectly flagged as overdue despite making payments on time or even before the due date. The issue has surfaced on social media platforms over the past few days and has led to a sharp decline in CIBIL scores among affected users.
Posts shared by customers on social media suggest the issue may have even affected those whose payment due dates had not yet arrived. Some users claimed that while their credit card bills were still within the payment window, their credit reports already reflected the minimum amount due as overdue.
In plain terms: SBI submitted incorrect data to CIBIL, and many users are seeing 50- to 70-point drops in their scores despite having done absolutely nothing wrong. Scores that took years to build have dropped overnight due to what appears to be a data-reporting error on the bank’s end.
Why this is a bigger deal than it looks
This is not simply a number on a screen; it’s a 50 to 70-point drop. Credit scores are one of the essential inputs that banks and non-banking financial companies rely on when evaluating applications for personal loans, home loans, auto loans, and credit cards. Even a temporary drop in a credit score due to inaccurate reporting may affect a customer’s borrowing eligibility or the interest rate offered by lenders.
This mistake could be a problem for you before you even knew if you were thinking of taking out a loan or applying for a new credit card in the near future. That’s why it’s better to act now than to wait and see if SBI will fix it for us.
What You Need to Do Right Now
Step 1: Check your CIBIL score immediately.
Do not wait. You can use apps like CRED, OneScore, or PhonePe to check your credit score for free. For the most detailed view of your full credit report, check directly through CIBIL’s official website, which gives you one free report per year. Do not just look at the score number. Open the full report and check whether your SBI Card account shows any overdue entry for the July billing cycle.
Step 2: Gather your proof.
Customers discussing the issue online have advised affected users to immediately review their latest CIBIL reports, compare them with their SBI Card statements, and retain payment acknowledgments, bank transaction records, and billing statements. Screenshot everything before anything changes.
Step 3: Email SBI’s Nodal Officer
If your score has dropped and the report shows an incorrect overdue entry, do not call customer care. Email directly and keep a written trail. Write to nodalofficer@sbicard.com, principalnodalofficer@sbicard.com, and customerservicehead@sbicard.com with your card details, a screenshot of the incorrect CIBIL entry, your SBI Card statement, and proof of payment.
Your email subject line should be clear and direct:
“Urgent: Incorrect Overdue Reporting on SBI Credit Card [last 4 digits] to CIBIL – Score Impacted”
In the body, mention your name, registered mobile number, last 4 digits of your card number, the exact drop in your score, and a clear request for the error to be corrected and for your credit history to be restored, with written confirmation once done.
Step 4: Raise a dispute with CIBIL directly.
You do not have to rely solely on SBI to fix this. You can raise a dispute directly on CIBIL’s official dispute resolution portal, citing inaccurate information reported by your lender. CIBIL is legally required to investigate disputes and respond within 30 days under the Credit Information Companies Regulation Act 2005, which you can read about on RBI’s official website.
The Bigger Picture
This incident is a reminder that your credit score is not entirely in your hands. A bank’s internal data error can undo months of disciplined repayment in a single reporting cycle. The only way to protect yourself is to check your report regularly, not just when something feels wrong.
If you use multiple credit cards and want to understand how responsible card usage protects your credit profile over the long term, you can always check CreditCardBasket SBI credit cards section and it covers all active SBI card options and their features.
Check your score. Document everything. And do not let a bank’s mistake become your problem to carry.
Frequently Asked Questions
SBI appears to have incorrectly reported the minimum amount due as overdue for several cardholders during the July billing cycle. The drop is not because of anything you did wrong.
Open your credit report on CRED, OneScore, or PhonePe and check your SBI Card account specifically for any overdue entry in the July billing cycle. Do not just check the score number; read the full report.
Email nodalofficer@sbicard.com, principalnodalofficer@sbicard.com, and customerservicehead@sbicard.com with your card details, proof of payment, and a screenshot of the incorrect CIBIL entry.
It might, if SBI resubmits corrected data to CIBIL quickly. But do not wait and watch. Raise a dispute with CIBIL directly and email SBI’s nodal officer so there is a paper trail working in your favor regardless of what the bank does on its own timeline.