Credit cards
Need to club my card dues & loans
Posted August 5th, 2008 by MildredDate: 2008-06-02 13:08:35
Query : I want to club my credit card dues and personal loans into one. Pls suggest.
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Date: 2008-06-02 13:39:27
Message:
To help me prepare a personalised debt consolidation plan for you, I need the following information from your end.
Initial Loan Amt |Tenure|Rate Of Interest|EMI|No of EMI Paid
Loan 1:
Loan 2:
You will also need to list your Credit Card outstanding and Net Income.
Looking forward to your response on this.
Because of my credit cards my name is in CIBIL
Posted August 4th, 2008 by Ritika(Ques) Because of I.C.I.C.I and SBI cards my name is there in CIBIL. Now I need a personal loan. I cleared all the credit card settlements and I am having the settlements letters. But no bank is giving me the loan or credit card because of that. I got a report from CIBIL. In that I.C.I.C.I over due shows zero but still SBI is showing the overdue amount of 8857. So I am in process in contacting SBI people to make it zero. But it takes time. now i need a personal loan. What to do? I am already having personal loan in icici and hdfc with good track.
Multiple loans running.
Posted August 2nd, 2008 by MildredDate: 2008-05-30 02:07:18
Query : I have multiple loans running and credit card outstanding is there. please advice me that i want make all these credit outstandings into 1 EMI. i am not able to lead my life with simply paying min amt in the case of credit card and my standard emi's for loans. i worried abt my credit outstanding.
Loan1:100000
reducing rate: 14.1% annum
Tenure: 48
EMI: 2733
Paid: 11 mnths
Loan 2: 150000
reducing rate: 13.5% annum
Tenure: 48
EMI: 4062
Paid: 5 mnths
Card O/S:
citi: 95859
hdfc:60000
SBI: 20000
My Net Take home is 30,000
Have 2 loans running and huge card outstanding
Posted July 30th, 2008 by MildredDate: 2008-05-28 10:20:40
Query : I have a
Home Loan - 12,00,000 @ 11% age 7 months
Personal Loan - 5,00,000 @ 20% age 6 months
Credit Card - 1,50,000 @ regular rates
I want to consolidate these dues as I am able to pay about 40,000 a month for these installments. However, I see that the PL @ 4 years is taking a lot of my cash and I am not left with much disposable to pay off the complete amount due on the cards. I wish to finish the PL and the cards, and probably shift the entire thing on the HL or the likes, because the money from PL was actually spent on furnishing the house.
