Does the RBI moratorium of 3 months on loan EMIs extend to credit cards too? Can I also postpone my credit dues to the bank for 3 months without impacting credit score?

RBI has already today clarified that banks can allow 3-month moratorium on repayment of credit card dues falling due from March 1, 2020 to May 31, 2020. The repayment schedule for such loans will be shifted by three months after the moratorium period and interest shall continue to accrue on the outstanding portion. Note that the instalment will include principal and the interest components. However, this will be at the discretion of the specific bank and they will have to seek approval of their board. Above all, such rescheduling of repayments will not qualify as a default for the purposes of reporting to CIBIL.