Credit Card Settlement
Break the credit card debt cycle with a fair, negotiated settlement.
Credit card debt is one of the fastest-growing forms of debt in India. High interest rates, late-payment fees and the minimum-due trap can turn a small balance into an unmanageable amount within months.
FairPaisa Solution helps you negotiate a settlement on outstanding credit card dues so you can resolve the balance for a reduced, agreed sum and stop the cycle of compounding interest and penalties.
We review your statements for billing errors and incorrect charges, recalculate where appropriate, and negotiate directly with the card issuer — all while keeping you informed and protecting your rights.
What's included
Statement and dues review
We examine your outstanding dues, interest and charges, and flag any billing errors or incorrect levies.
Settlement negotiation
We negotiate with the card issuer to arrive at a reduced one-time settlement or a structured repayment plan.
Interest and penalty review
We assess whether interest and penalties have been applied correctly and raise disputes where justified.
Closure confirmation
We ensure the settlement is documented in writing and the account is marked closed once paid.
How we help, step by step
- 1
Bring your card statements and dues to a free consultation.
- 2
We review the account and identify errors or excess charges.
- 3
We estimate a realistic settlement target.
- 4
We negotiate with the card issuer on your behalf.
- 5
You make the agreed payment under written terms.
- 6
We confirm the account is closed and advise on next steps.
Frequently asked questions
Yes, we can assess dues across multiple cards and approach each issuer. Each card is negotiated separately based on its outstanding amount and the issuer's policies.