Credit Card Debt Settlement

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.

Typical Case Snapshot
36–45%Card APR in India
40–60%Typical settlement range
2000+Clients helped
95%Settlement success rate
Why Card Debt Snowballs

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.

Minimum due Paying only ~5% of the balance keeps the account "current" but barely touches the principal.
36-45% APR Interest compounds monthly on the remaining balance, so unpaid interest starts earning its own interest.
Late fees + penalty rate Missed due dates add flat late fees and can trigger a higher penalty interest rate on the whole balance.
Person holding a credit card, representing credit card debt settlement
You're Not Alone

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.

Our Process

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.

Credit Score Impact

Your CIBIL score after a settled card.

A lower balance doesn't always mean a better score. Here's the honest picture.

The trade-off

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.

The relief

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.

Why Settle With Us

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.

Know Your Rights

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.

FAQ

Credit card settlement, answered honestly.

How much of my debt can actually be settled?
It varies by bank and how overdue the account is, but most credit card settlements in India land between 40% and 60% of the outstanding balance. We'll give you a realistic figure after reviewing your case.
Can I settle if my account isn't in default yet?
Banks generally consider settlement once an account is significantly overdue, not while payments are current. If you're not there yet but see it coming, talk to us early so we can plan ahead.
Will the bank keep calling me during negotiation?
Once we're handling your case, recovery communication is routed through us. It doesn't stop the process legally, but it takes the day-to-day pressure off you.
How long does a credit card settlement take?
Most single-card settlements close within a few weeks to a couple of months, depending on the bank's internal process and how quickly funds can be arranged.
What happens to my card after settlement?
The card is closed as part of the settlement. You won't be able to use that account again, and the closure is reflected on your credit report as "Settled."

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.

Check Your Settlement Eligibility

Free, no-obligation review. Get a decision in minutes.

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