Hi, My self Rohit. Two year back i had a credit card for HDFC bank. Before going to UK i have paid all the balances in hdfc Bank. Post one year 2012 (September) i got letter from HDFC for Paying approx 6500 INR. While i inquired then they told that initially i was not pay full payment and 1200 INR was left. So the amount came as 6500 with interset. I paid all amount and Got NOC from Bank. This inceident impact on my CIBIL and currently its 657. Am i eligible to get home loan? What should i do now?