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I have not paid my SBI credit card bill for eight months. They are now contacting my contacts. I want to pay but currently have no money. Can I give them a post-dated cheque for a later date when I expect funds?
You can give a post-dated cheque if the bank and card company accept it. However, delayed payments can still affect your credit score and attract penalties. It is better to inform the card issuer about your situation and request a payment plan or deferment. For further legal assistance contact us on our helpline number.