mohan
11 July 2015 at 01:53
I have repaid my education loan with sbi under NPA Status. But it is still showing as WRITTEN-OFF in my CIBIL Report. I currently have two more house building loans which i am paying properly and has no issues with them and filing ITR properly with an income as shown Rs 311000/-. But as my CIBIL score is 560 i failed to get a credit card. My questions are :
1. How can i solve my WRITTEN-OFF status to "Closed with Nil Dues" with SBI?
2. How can i get a minimum balance credit card against a fixed deposit?
I deal in IT Services business so i need to buy online regularly and my debit cards are not supported by all online purchase mediums, they need a credit card. So, how can I convince my banker "bank of india" and "icici bank" to give me a credit card against a fixed deposit?
3. Should i approach ombudsman for a solution with SBI as i have repaid their loan under a settlement as suggested by them which may now hurt my cibil score. Can SBI still do anything so my loan status comes as closed with no dues, if so what are they and what i need to do?
How can i solve my written-off status to "closed with nil dues" as i have settled my education loan
I have repaid my education loan with sbi under NPA Status. But it is still showing as WRITTEN-OFF in my CIBIL Report. I currently have two more house building loans which i am paying properly and has no issues with them and filing ITR properly with an income as shown Rs 311000/-. But as my CIBIL score is 560 i failed to get a credit card. My questions are :
1. How can i solve my WRITTEN-OFF status to "Closed with Nil Dues" with SBI?
2. How can i get a minimum balance credit card against a fixed deposit?
I deal in IT Services business so i need to buy online regularly and my debit cards are not supported by all online purchase mediums, they need a credit card. So, how can I convince my banker "bank of india" and "icici bank" to give me a credit card against a fixed deposit?
3. Should i approach ombudsman for a solution with SBI as i have repaid their loan under a settlement as suggested by them which may now hurt my cibil score. Can SBI still do anything so my loan status comes as closed with no dues, if so what are they and what i need to do?