u/KSuraj — reddlx

I need some advice regarding my ICICI credit card.

My bill of around ₹6k was generated on 2nd April, with a due date of 20th April. I usually pay through Cred, but somehow I missed it this time (first time ever).

Today (4th May), the next statement got generated, and when I tried to pay, the card was showing as blocked. I called customer care and they confirmed it was due to the missed payment.

I’ve now paid the full outstanding amount.

I have a few questions:

Is it possible to get the late payment charges reversed since this is my first time missing a payment?
Will this impact my CIBIL score? If yes, is there any way to fix or minimize it?
Should I consider closing this card, or is that unnecessary?

Would really appreciate guidance from anyone who has faced something similar. Thanks!