Credit card bill payment issue and effect on cibil

[Rajpal]

Mere pass hdfc ka credit card tha jiski limit 15000 thi Maine lockdown mein use kiya tha bank ne uski khud he Emi bnakar 1 saal baad btaya k apki payment 30000 bn chuki hai penalty lgakar,woh abhi 2024 mein kehte hai 40000 paid kro nhi toh settlement kro.mein settlement nhi Krna chahta 15000 he actually real amount thi agar woh bhi dekar settlement hoga to kya fayda jiske karan mera cibil kharab ho reha hai.plzz help

 

[khilesh]

Mere pass hdfc ka credit card tha jiski limit 15000 thi Maine lockdown mein use kiya tha bank ne uski khud he Emi bnakar 1 saal baad btaya k apki payment 30000 bn chuki hai penalty lgakar,woh abhi 2024 mein kehte hai 40000 paid kro nhi toh settlement kro.mein settlement nhi Krna chahta 15000 he actually real amount thi agar woh bhi dekar settlement hoga to kya fayda jiske karan mera cibil kharab ho reha hai.plzz help

Apne kuch emi me purchase kiya tha ?

 

[Rajpal]

Apne kuch emi me purchase kiya tha ?

Nhi B's card ki limit ko he use kita tha or kuch nhi

 

[khilesh]

Nhi B's card ki limit ko he use kita tha or kuch nhi

Apko payment kar dena cahiye tha jitna limit apne use kiya hai vo usi time pe

 

[Rajpal]

Apko payment kar dena cahiye tha jitna limit apne use kiya hai vo usi time pe

Abhi bhi 15000rs krne ko tyar hu lekin keh rhe hai settlement hoga.yeh toh bank jabrdasti kr rha hai.k apko cibil sahi krni hai toh 40000+ bill pay kro bank ko tab se he keh rha hu k itna bill mai pay nhi kruga chalo ab 18000rs bill Lelo.kehte hai settlement hoga.bank ko koi pushne wala nhi

 

[khilesh]

Abhi bhi 15000rs krne ko tyar hu lekin keh rhe hai settlement hoga.yeh toh bank jabrdasti kr rha hai.k apko cibil sahi krni hai toh 40000+ bill pay kro bank ko tab se he keh rha hu k itna bill mai pay nhi kruga chalo ab 18000rs bill Lelo.kehte hai settlement hoga.bank ko koi pushne wala nhi

Kuch to karna hi padega settlement kar do nai to apka amount badta hi rahega aage or dikkat hogi

 

[Dalbir Singh]

Check out legal options.

 

[abhimarda]

Kuch to karna hi padega settlement kar do nai to apka amount badta hi rahega aage or dikkat hogi

Settlement kiya to settled aayega CIBIL mein and aage koi loan nahi milega...abhi full payment kar ke close kar do...uske baad bhi 3-4 saal lagega CIBIL theek hone me

 

[Rajpal]

Mai kya kru jis se settlement bhi na ho or credit card k charges bhi na lge agar lge toh Kam lge