(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.

(Ans) I would recommend that you look at taking top ups on your existing personal loan where you already have good track records.