Dosto, credit card ka jaal aisa hota hai ki insaan ek baar phansa toh nikalna mushkil ho jata hai. Minimum due bharte-bharte hum thak jate hain(pr dhyan rehe agar apko lege ha me minimum payment kr k next month total payment kr sakta hu to minimum payment kro nhi to ruko wo paisa sara intrest m chla jayga)par loan khatam nahi hota. Agar aapki bhi neend ud gayi hai, toh Settlement ek raasta ho sakta hai. Lekin ruko! Settlement karne se pehle ye baatein jaan lo jo koi bank wala nahi batayega.
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Dekhiye dosto Settlement Krna ik matr rasta h pr dhyan de credit card do treh k hote h ik unsecured credit card or dusra secure credit card m bta deta hu secure credit card konse hote h wo hote he jo FD based pr milte h meri salaha h unki kist na hi bounce kre to achha h kyuki wo tumhara amount lien kr dege or ik or baat jis bank ka credit card h us bank m paise h ya selery acount h to bhi bounce krne se pahle soche kyuki tumhari selery lien ho sakti h iske baare m or jankari k liye mujhe WhatsApp msg kr sakte h rehi baat unsecured credit card ki to ghbraiye mat agar apke pass paise bhi h to koi baat nhi ap chahe to bank ko ik financial hardship mail kr sakte h jisse bank ko legega ab ki niyat saf h pr abhi paise nhi h fir bhi agar mail achha hua to bank follow up bhi rok sakta he nhi roka to koi ghbrane wali baat ni h bank follow up krta h ap bhi bank k sath copret kijiye jb bank ko legega ab sach presan h financial situation kharab h bank khud settlement deta h..
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agar ap bounce kr chuke h or email nhi kiya to bhi koi problem nhi copret kijiye bank apko 3month+ k baad settlement degi isme dekhne wali baat h y ap kisi se bhi call pr baat kre pahle uske baare m jano kya wo real bank ka recovery agent h ya koi froud aisa bahut hota h jo dar bante h apko phone pr dhamki dete h wo right recovery agent ni hote ap chaho to complaint kr sakte h bank ko.. kaha karni h kaise krni h uske liye mujhe WhatsApp pr msg kre m hlp kruga..
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Settlement ki Step-by-Step Process:
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Payment Rokna: Jab aap 3-6 mahine tak payment nahi karte, tabhi bank settlement ke liye raazi hota hai. (Is beech calls aayengi, darna nahi hai)...
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Negotiation (Sauda): Bank shuruat mein 10-20% discount dega, par aapko rukna hai. Ek achha settlement 30% se 50% ke beech hota hai (Matlab 1 lakh ka karz 30-40 hazar mein khatam)...
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Settlement Letter: Sabse zaroori baat! Jab tak bank aapko official email ya letter na de de, ek rupaya bhi mat bharna. Bina letter ke diya hua paisa sirf "Partial Payment" mana jayega, settlement nahi....
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Kaise pahchane settlement letter real he ya fake:
Credit card do trike k settlement hote h..
Pahla jo bank krta h jb tk write off na ho jay ise me settlement letter bank deta hamesa dekhe whatsapp pr aayga to verify bank k name se letter aayga or email se aayga to hemesa chack kre (employee@bankname) dhayan rehe @ke bad bank ka nam hona chahiye fir bhi ap confirm krne k liye costumer care se baat kr sakte ho agar sahi h to payment kr do full&final bhi likha hota h...
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Write off hone k baad koi third party agency settlement krwati h or yaha bhi dhyan dena agency authorised h ya nhi uska employee real h ya koi wrong parsan real h to paymant krke settlement kro...
CIBIL Score par kya asar hoga?
Ye sabse bada nuksan hai. Settlement ke baad aapke CIBIL mein "Settled" likha aayega. Iska matlab agle 2-3 saal tak aapko koi naya loan ya credit card nahi milega.
Bhaiyo, maine dekha hai ki log settlement ke baad sukoon toh pate hain par CIBIL kharab kar lete hain. Agar aap trading karte hain ya aage business karna chahte hain, toh koshish karein ki settlement ke baad dheere-dheere apna score sudharein.
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Disclaimer:
Main koi SEBI registered advisor nahi hoon. Ye jankari sirf awareness ke liye hai. Settlement ka faisla lene se pehle kisi expert se salah zaroori lein.
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