Credit Card Settlement Karne Ke Baad Loan Milega Ya Zindagi Bhar Reject

Ye sawal almost har us bande ke dimag me ghoomta hai jisne kabhi credit card settlement karwaya ho.

Phone band hone ke baad, recovery calls khatam hone ke baad, jab thoda sa life normal hoti hai, tab ye thought aata hai.

Ab aage kya.

Kya dobara kabhi loan milega. Ya phir banks ke liye hum permanent blacklist ho gaye.

Sach bolun to, answer na haan hai, na poora na.

Picture thodi lambi hai. Aur wahi hum yahan detail me samjhenge.

Credit Card Settlement Hota Kya Hai

Pehle ye clear karna zaruri hai. Kyuki bahut log settlement ka matlab galat samajh lete hain.

Settlement ka simple matlab hota hai.

Aap bank ka poora paisa wapas nahi kar paaye. Bank ne loss accept kiya. Aur kam amount me account close kar diya.

For example.

Aapka credit card bill 120000 tha.

Aap situation me fas gaye. Job chali gayi. Business gir gaya.

Bank se baat hui. Settlement hui 70000 me.

Aapne 70000 de diye. Account band.

Aapko lagta hai kaam khatam.

Par bank ke system ke liye kahani yahin se start hoti hai.

Settlement Ke Baad CIBIL Me Kya Entry Hoti Hai

Yahin sabse bada jhatka lagta hai logon ko.

Settlement ke baad CIBIL report me ek word aa jata hai.

Settled.

Ye word chhota hai. Par effect bahut bada.

Settled ka matlab bank ke liye ek hi cheez hoti hai. Loss.

Aur loss dene wale customer ko system kabhi bhoolta nahi.

CIBIL Score Kitna Girta Hai

Settlement ke baad score generally 550 se neeche chala jata hai. Kabhi kabhi 500 se bhi neeche.

Aur ye girawat 1 ya 2 month ki nahi hoti.

Iska impact saalon tak rehta hai.

Toh Sach Batao – Loan Milega Ya Nahi

Ab seedhi baat karte hain. Gol gol nahi ghoomte.

Credit card settlement ke baad immediately loan milna almost impossible hai.

Chahe personal loan ho. Chahe credit card. Chahe top up.

Banks ka system direct reject kar deta hai. Human dekhne tak nahi aata.

First 2 Saal – No Chance

Settlement ke baad pehle 24 mahine.

Agar koi bole is period me bank loan milega, to samajh lo ya to wo jhooth bol raha hai, ya aapko phasana chahta hai.

Public bank. Private bank. Sab ek jaise.

System entry dekhte hi reject.

3 Se 5 Saal – Mushkil Par Possible

Yahin pe thoda hope banta hai. Par condition ke sath.

Agar 3 saal tak:

Koi aur default nahi.

Koi EMI miss nahi.

Income stable hai.

To kuch NBFC aapko dekh sakti hain.

Banks abhi bhi door rehte hain.

5 Saal Ke Baad – System Thoda Soft Hota Hai

Settlement entry CIBIL me 7 saal tak rehti hai.

Par 5 saal ke baad uska weight thoda kam ho jata hai.

Agar baaki report clean hai, to secured loans me chance banta hai.

Kaunsa Loan Settlement Ke Baad Mil Sakta Hai

Gold Loan

Gold loan settlement ke baad bhi mil jata hai.

Kyun.

Kyuki bank ka risk gold cover karta hai. CIBIL secondary hota hai.

Isliye gold loan sabse safe option hota hai.

Loan Against FD

Agar FD hai, to CIBIL almost irrelevant.

Par ye option limited logon ke paas hota hai.

Secured Business Loan

Property hai, shop hai, to kuch NBFC case dekh leti hain.

Interest high hota hai. Rules tight hote hain.

Kaunsa Loan Bilkul Nahi Milega

Personal loan from bank.

New credit card.

Instant app loans.

Top up loans.

Settlement ke baad ye sab almost closed chapter hota hai kaafi time tak.

Real Life Example – Ground Truth

Rajesh ne 2021 me credit card settlement kiya. Amount tha 90000. Settlement hua 55000 me.

CIBIL gir gaya 520.

2022 aur 2023 me personal loan ke liye apply karta raha. Har jagah reject.

2024 me ek NBFC se gold loan liya. EMI ek bhi miss nahi ki.

2025 ke end tak CIBIL 640 ho gaya.

Ab bank se home loan ke liye file chal rahi hai.

Ye slow process hai. Par impossible nahi.

Settlement Ke Baad Sabse Badi Galti Kya Hoti Hai

Har Jagah Loan Apply Karna

Har rejection ek aur damage karta hai.

Log frustration me 10 jagah apply kar dete hain. Aur CIBIL aur gir jata hai.

Fraud Apps Ke Chakkar Me Padna

No CIBIL loan, Guaranteed approval, ye sab trap hai.

Interest daily hota hai. Recovery dangerous.

Dobara Default Kar Dena

Settlement ke baad agar dobara default hua, to system almost permanent ban kar deta hai.

Settlement Ke Baad CIBIL Kaise Sudhaare

Time Sabse Bada Factor Hai

Iska koi shortcut nahi.

Time aur discipline. Bas.

Small Secured Loan Lo

Gold loan ya FD loan.

Perfect payment history banao.

Single EMI Bhi Miss Mat Karo

Ek EMI bhi miss hui, to saara effort waste.

Kya Zindagi Bhar Reject Ho Jaate Hain

Nahi.

Par ye bhi sach hai ki settlement ka daag kabhi poori tarah nahi mitata.

System aapko hamesha risky customer hi maanta hai.

Isliye jo log settlement karte hain, unhe aage credit use karte time extra discipline rakhna padta hai.

Agar Settlement Avoid Kar Sakte Ho To

Restructure better hota hai.

Part payment better hoti hai.

Settlement last option honi chahiye.

Final Sach

Credit card settlement ke baad loan milta hai.

Par time lagta hai. Mehnat lagti hai. Discipline lagta hai.

Jo log ye sochte hain ki settlement ke baad sab normal ho jayega, wo galat sochte hain.

Aur jo log patience rakhte hain, wo dheere dheere system me wapas aa jaate hain.

Conclusion

Settlement end nahi hai, par reset bhi nahi hai.

Ye ek warning mark hai jo system lagata hai.

Agar aap us warning ko seriously lete ho, to future ban sakta hai.

Aur agar ignore karte ho, to rejection permanent ban jata hai.