[Resolved]  Abn Amro — How to resolve issue with Abn Amro/RBS Credit Card

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Bangalore, Karnataka

People, If you have issue with ABN Amro/RBS credit card, such as your name is in the default list in CIBIL report please follow the below steps: How do you come to know if your name is in default list in CIBIL: Very recently you may have applied for a loan and your loan application had been rejected due to policy of the applying bank does not meet the requirement in CIBIL Database: So What is the next Step: Next step is to purchase your CIBIL report from CIBIL Website and verifying yourself, to your shock you may see that your Credit card will be marked as "Settled" or "Written OFF" What does Settled or written off mean : In simple English it means you paid less amount to the actual pending amount claimed by the bank. In Banking terminology you did not pay the full amount hence bank had added your remaining amount as bad debts and bank has undergone a loss by providing you the loan, when you apply for a new loan the banker see's that you are not in position to re-pay the loan and hence rejects your application. Next step : Is to write a mail to ( for the closed CC) to in.[protected]@rbs.com asking about the updated status regarding the credit card, they will reply with whatever amount is due along interest or will explain to you what needs to be done Note: If you are in that position as said above your surely in the deadened becauase you might have noticed after a very long time and in process of recovering the shock, my truthful and correct advise would be to re-pay all the claimed amount. Do not get me wrong because it our mistake to have chosen the CC with out reading 100's page of terms and condition and not continuously checking our report in CIBIL, I know you had only 2000/- pending in 2007 and now it would have gone to 1, 50, 000/- in 2014 with all interest and hidden charges, i suffered the same thing and after ping-pong for many years and speaking with many experts i came to know that i have to pay all the dues and get NOC from the bank, hey i said to GET NOC from the bank claiming that no dues from your end to the bank, do what ever it takes pay full amount ( take help from your friends, family, thats what friends and family are ment to help you when needed pay them when you recover ) Next step: After paying the full amount & geting NOC, you need to ask the bank to update in CIBIL, generally they may take 60 days, if not you need to file a dispute in CIBIL will all the supporting documents and CIBIL will enquiry with the bank and after bank notifies them they will update in CIBIL Next Step: give it a min 6-9 months for your CIBIL score your improve with doing correct payment on time and apply for a loan again. If you need any help and if i am free i will reply to you on [protected]@gmail.com