Date: 2009-07-21 22:12:18
Name: Rajat Sharma

Message:

City: Nagpur
Employement Status: Salaried
Date of Birth: 02-09-1985
Earning Members: 1
Dependants: 0
Net Salary: Rs. 30000
Assets
Property: Rented
Vehicle: Owned
Other Assets: Do not own
Card Details
Payment Due Status: M A D
Outstanding on Card: 100000

Payment Due Status: M A D
Outstanding on Card:

Query: I have an outsatnding of abouth 1 Lac on my credit cards due to negligence in payment/cash crunch. How can i clear the outstanding dues and improve my credit score?

Date: 2009-07-22 10:59:59

Date: 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

Date: 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.