Credit card settlement

I have a credit card balance to be paid to SBI. They were telling that around Rs.33,000/- is due from me which is with interest. The last payment was in 2009. They were telling that if I pay the full amount they can provide a letter for CIBIL clearance. When I asked them for settlement they figured out to Rs.16,000/-. As per me it should be around Rs.12,000/- and presently I am not able to even pay that much amount. My question is : 1) If I pay the Rs.12,000/- which was actual used by me, can I insist for letter of CIBIL clearance. 2) After settlement of credit card can I address the CIBIL directly about my negative ranking to be removed. Kindly let me know is there any other procedure where I can get help regarding CIBIL negative removing.