Credit card blacklist?

Question

hey two year back i have a hdfc credit card but bcoz of payment confusion i am blacklist and nw i am not eligible for any credit card.. please help me get over this and i wanted that my cbil shud be good. This was all banks and now i am not eligible for any credit.

 

Answer 1

Dear Suneet

Unless you pay the dues of your earlier credit card, the issuing Bank would not clear your name as defaulter from CIBIL.  I suggest to get in touch with the previous credit card issuer, get into a settlement with certain waiver, pay off the settlement dues to the Bank and then seek restoration of your CIBIL score.

RAJA

Answer 2

As regards removal of name from CIBIL black list, you will have to settle outstanding dues, if any, with HDFC Bank and get a no dues certificate from that Bank. The Bank will have to write to CIBIL to that effect. Unless and until your name is removed from the CIBIL adverse list, you will not get fresh credit card or any loan.

 

Thanks and regards

 

Deepak