ICICI & HSBC Credit Card

[saan]

Dear Card Bhai,

Need your advise. I had 2 outstanding credit cards

1.ICICI bank overdue Rs.70,000 aprox which I paid in full and closed but CIBIL record shows as written off.
2. HSBC overdue of Rs.52,000 which i have not paid yet.

Im not sure how to handle this as ICICI promised me that they will not mention written off in my cibil record but now Im in a fix that neither i feel confident to close HSBC nor do i have any option to keep HSBC pending. How do i handle this to improve my CIBIL score.

I want to apply for car load but these 2 cards has become obstacle for me.

Please advise.

Rgds
SAAN

[cardbhai]

1. As far as ICICI is concerned if they have given it to you in writing, then appeal against the same with Ombudsman. If not then you will have to pay more as demanded by the Bank.

2. Follow the Steps for HSBC Settlement  http://www.cardbhai.com/2009/01/credit-default-final-settlement-steps.html