Who this service is for
For genuine hardship involving total unsecured dues of ₹2 lakh or more. Each card issuer decides independently whether to accept a proposal.
How the support works
- Collect the latest statement for every card and stop avoidable new spending.
- Compare affordable repayment and issuer EMI or hardship options.
- Assess what funds can realistically be arranged without new unaffordable borrowing.
- Check written settlement terms directly through the issuer’s official channels.
- Retain payment proof, final letters and subsequent credit reports.
Documents to keep ready
- Latest card statements and account references
- Income and expenditure summary
- Available settlement funds and hardship evidence
- Existing offers, notices and payment receipts
Use secure channels when sharing account documents. Never share an OTP, PIN or banking password.
Costs, limitations and important trade-offs
Paying less than the full contractual dues may lead to settled reporting rather than closed reporting. No fixed discount, score change or approval timeline can be promised. Our service charges and the lender payment are separate amounts.
Before you enquire
Is a particular outcome guaranteed?
No. Any lender decision or legal outcome depends on the facts, documents and applicable process.
What happens after I submit the form?
Our team will contact you within 24–48 hours to understand your situation and explain the next assessment steps.