Introduction

PNB Patanjali RuPay Select Credit Card holders facing financial difficulties can opt for a settlement to clear dues.

Reasons for Settlement

- High outstanding balance - Financial hardship - Avoiding legal actions - CIBIL score impact

Contacting the Bank

- Visit the nearest PNB branch - Call customer care - Explain your financial situation

Negotiating the Settlement

- Request a one-time settlement (OTS) - Ask for reduced interest or waiver - Get the agreement in writing

Payment Process

- Pay the agreed settlement amount - Get a "No Dues Certificate" from PNB - Ensure the status is updated in CIBIL

Impact on Credit Score

- "Settled" status affects your CIBIL score - Can impact future loan approvals - Start rebuilding your credit post-settlement