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Do refunds or chargeback disputes impact my CIBIL or Credit Score

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Your CIBIL score is a reflection of your previous credit behaviour and your credit history.

It talks about what sort of dues you have acquired and how you are managing it. So CIBIL is about your repayment/credit record and not about specific transactions you have undertaken using your credit cards. Your CIBIL score will be affected in the event that you are not ready to repay your credit card due amount, within the stipulated time. If there is a dispte with the bank, you should ensure that the bank immediately reverses the charges, or you have to make the full payment. In the event that the sum gets refunded at a later date, you can withdraw this. Otherwise, your credit report is likely to show this amount as overdue and this could have a negative impact on your credit score..

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