ICICIcredit Card — after settlement they have entered in cbsil

this is rajesh vasani, from rajkot, i m having icici credit card, which was lost before a year and after wards was received, i had tried to make it livi, icici person answered that it was finished, u have to make new cause u had given lost application, now after six months saying that your card is currently on was not closed ever before, and when i had tried to solve this problem rajkot office they was agree to make my card live again by paying some amount, after thier recovery agent was harrased me a lot i had paid amount by settlement programme, now thay are not taking responsibility and harrasing me for paying amount in double, i am really depressed with this behaviour of icici credit card persons and call centres answer

After dissatisfied customer relations I have cancelled the SCB credit card and meeting the customer relation officer came to a settalment Rs.5000 and cleared it, they have issued a clearnace certificate from the company, but now they have issued defaulter customer in cbsil what to do further, My future banking loan is in question mark?