Stop the interest spiral. Settle your credit card dues for less.
Credit card APRs in India often run 36–45% a year, turning a missed payment or two into a debt that keeps growing no matter what you pay. We negotiate directly with your bank to close the account for a fraction of what's owed, and put a stop to the collection calls while we do it.
How a missed payment turns into a mountain.
Credit cards are structured to compound fast. Here's roughly how it plays out when only the minimum gets paid.
Thousands of Indians settle card debt every year.
Falling behind on a credit card doesn't make you irresponsible, it happens to salaried professionals, business owners, and families alike. What matters now is having a clear, negotiated way out instead of watching the balance grow.
How we settle your credit card account.
Five steps, start to close. You're not on your own for any of it.
Send us your statement
Share your card statement and current balance. We check whether your account is far enough overdue to qualify for settlement.
Target set
We calculate a realistic settlement figure based on your card issuer's typical acceptance range.
We negotiate
Our team talks to your bank's recovery or settlement desk directly. Calls stop landing on you.
Settlement letter first
You get the bank's written settlement letter before a rupee changes hands, spelling out exactly what closes the account.
Card account shut for good
Once payment clears, the card account closes for good, no more interest, no more calls on that debt.
Your CIBIL score after a settled card.
A lower balance doesn't always mean a better score. Here's the honest picture.
Utilization improves, but the mark stays
Your credit utilization drops once the card is settled, but the account is tagged "Settled" rather than "Closed," and lenders do notice the difference.
No more interest eating into what you owe
The moment it's settled, the 36-45% APR stops compounding. For most people, that alone is worth more than a slightly better looking report.
Negotiating your own card debt is harder than it looks.
Banks have entire teams built to collect. Here's what having ours on your side changes.
We know issuer settlement cycles
Card issuers tend to soften on settlement offers the closer an account gets to write-off. We know roughly when that shift happens for each bank.
One less call to dread
Once we're on your case, the recovery calls stop being your problem to manage. You can let calls from the bank go to us instead.
No surprises on your report
We confirm exactly how the settlement will be reported before you pay, so there's no confusion once it hits your credit history.
RBI protects you from unfair recovery.
No abusive language
RBI's Fair Practices Code bars threats or abusive language from card recovery agents, full stop.
Restricted contact hours
Calls and visits are only permitted within set daytime hours, not late at night or early morning.
No public shaming
Your dues can't be disclosed to your employer, neighbours, or family members.
Ask for it in writing
You're entitled to request that all card recovery communication comes to you in writing, not just over the phone.
Credit card settlement, answered honestly.
Ready to stop the interest from piling up?
Share your card balance and we'll tell you honestly whether settlement makes sense, no obligation, no cost to find out.