HDFC Bank — Not Issuing Credit Cards

Hi,
I had two credit cards from HDFC and CITI banks, both with credit limit Rs.35000/ and Rs.38000 each. Due to some financial issues I could not pay for the cards for around 6 months and the banks closed my credit card. But later in the month of May'2013 I cleared all my outstanding amount Rs.58,000/ and Rs.65,000/ which includes all the fees and charges. I have obtained No Due Letter from both the banks.

Now when I am applying for a fresh credit card from the above banks or any other bank, they are rejecting my application, and also stating that I can reapply again after 6 months.

Please help