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Does a Cheque Bounce Affect Your Credit Score in India?

calendar_today September 17, 2026 person Shubham domain oolka

A cheque bounce does not directly reduce your credit score just because the cheque was returned unpaid. The impact starts when the bounced cheque causes a missed EMI, unpaid loan amount, overdue account, or other repayment problem that the lender reports to credit bureaus. Reena, 31, from Gurugram, issued a Rs.

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