[Resolved]  Credit Card — Credit Card Rejections

Address:

South 24 Parganas, West Bengal

I had two Credit Cards from HDFC and Citi Bank. Both the cards were written-off/Closed by the bank due to non-payment. Later I paid all my Outstanding amount on both the credit cards in May 2013 and have also obtained the No Due Letter for the same. Now when I am applying for a fresh credit card from same or different banks I am getting rejections.
Please advise if i have paid all my debt then why I am unable to get a credit card and how to apply for a fresh credit card.
Please note that this was NOT A SETTLEMENT, i paid the amount in full.
Maybe the rejections is because the CIBIL is not updated, so it is none of my faults, I have returned every single penny of the bank. If i were to get such rejections then I should have better gone for a settlement. I am hopeless now and I dont know what to do. Please help.