Hi Ashal/all,I took 50,000 Loan in 2007. I paid 6 EMI’s around 18,000. Then after I lost my job and I could not pay money.So many suggested to don go for settlement as the bank won’t send a clean report to CIBIL. After seven years my cibil score will be refreshened and I would get CC/Personal loans. Is this correct??. My credit card applications have been rejected somany times since two years. Even I m not in the position to repay the rest EMI’s to the bank. I need Credit card/ personal loan in the future.Can I go for Credit card against FD to make my score good. Please help me . Regards,