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Credit Card Loan Settlement is a legally structured solution that helps borrowers resolve outstanding credit card dues by paying a reduced, mutually agreed amount to the bank. It is ideal for individuals facing high interest burden, overdue charges, and recovery pressure, offering a dignified and documented path to financial stability.
Pay a negotiated lower amount instead of the full outstanding balance, including interest, penalties, and late fees.
Settlements are completed only with official bank approval, ensuring complete legal safety and protection from future claims.
Experienced settlement professionals negotiate directly with banks and NBFCs to secure the best possible settlement terms for you.
Receive settlement letters, No Dues Certificate (NOC), and confirmation of credit card account closure for long-term peace of mind.
Resolve your outstanding credit card dues legally and regain financial stability with expert assistance.
Settle your credit card dues by paying a reduced lump-sum amount instead of the full outstanding balance.
Once settlement negotiations begin, recovery calls and visits are handled professionally on your behalf.
Prevent further late fees, penalties, and high interest from increasing your total credit card liability.
Settlements are negotiated as per banking norms, ensuring documentation and compliance.
Close long-pending credit card accounts quickly and focus on rebuilding your financial health.
Eliminate constant stress and uncertainty with a clear, one-time settlement solution.
A simple, transparent, and professionally managed process designed to help you settle your credit card dues with confidence and complete legal clarity.
We evaluate your outstanding dues, overdue status, income situation, and financial hardship to determine settlement feasibility.
A personalized settlement plan is created, focusing on the ideal settlement amount, timing, and negotiation approach.
Our experts directly negotiate with the bank or authorized recovery agency to secure a bank-approved one-time settlement.
You receive an official settlement letter clearly mentioning the payable amount, payment deadline, and closure terms.
Payment is made strictly as per the approved settlement letter to avoid any future disputes or liabilities.
The bank issues a No Dues Certificate (NOC) and officially closes your credit card account after successful settlement.
Everything you need to know about Credit Card Loan Settlement
Credit card loan settlement is a process where the bank or credit card issuer agrees to close your outstanding dues by accepting a reduced one-time payment instead of the full outstanding amount.
Depending on your financial condition, outstanding amount, and negotiation, banks may agree to settle between 40% to 70% of the total dues.
Yes. Once the settlement process starts, communication with recovery agents is handled professionally, which significantly reduces harassment.
Yes. Credit card settlement is a legally accepted banking practice, provided it is done with proper documentation and final settlement letters.
Yes. A settled account may temporarily impact your CIBIL score, but it is better than continuous defaults and legal actions. Scores can be rebuilt over time with proper financial discipline.
Typically, the credit card settlement process takes 30 to 90 days, depending on the bank, case complexity, and documentation.
