Please note that it is an obligation to make payments on due date and maintain a good credit track. Failure to maintain a clean credit record may trigger reporting to ECIB of SBP / Private Credit Bureau(s) that can adversely affect your standing with all banks and may restrict your access to credit facilities and services. For Individual Borrowers: ECIB report would reflect Credit History (i.e. overdue / late payment / write-offs / waiver) for a period of 2 years after settlement.
For further information on ECIB, you may visit the following website: www.sbp.org.pk .