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	<title>ApnaPaisa - Financial Planning, Investment, Insurance, Loans, Credit Cards, Banking &#187; Credit Card Issues</title>
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	<link>http://www.apnapaisa.com</link>
	<description>Get Smart</description>
	<pubDate>Mon, 22 Dec 2008 12:01:27 +0000</pubDate>
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	<language>en</language>
			<item>
		<title>Getting off the CIBIL list</title>
		<link>http://www.apnapaisa.com/2008/12/04/getting-off-the-cibil-list/</link>
		<comments>http://www.apnapaisa.com/2008/12/04/getting-off-the-cibil-list/#comments</comments>
		<pubDate>Thu, 04 Dec 2008 11:43:21 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[bank]]></category>

		<category><![CDATA[CIBIL]]></category>

		<category><![CDATA[credit card outstanding]]></category>

		<category><![CDATA[credit card provider]]></category>

		<category><![CDATA[Satyam defaulter list]]></category>

		<category><![CDATA[zero balance statement]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1119</guid>
		<description><![CDATA[I had an outstanding due to my credit card provider. After repayment i got a zero balance statement from the bank.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/04/getting-off-the-cibil-list/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Pay dues first</title>
		<link>http://www.apnapaisa.com/2008/10/31/pay-dues-first/</link>
		<comments>http://www.apnapaisa.com/2008/10/31/pay-dues-first/#comments</comments>
		<pubDate>Fri, 31 Oct 2008 09:47:29 +0000</pubDate>
		<dc:creator>Basha Shaikh</dc:creator>
		
		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[accruing interest]]></category>

		<category><![CDATA[banking ombudsman]]></category>

		<category><![CDATA[credit card default]]></category>

		<category><![CDATA[credit card outstanding]]></category>

		<category><![CDATA[credit card rejection]]></category>

		<category><![CDATA[defaulters' list]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=718</guid>
		<description><![CDATA[Another familiar gripe – A little outstanding amount remaining on the credit card because of bank’s mistake, bank promises to waive off the amount and close the account.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/10/31/pay-dues-first/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Paid outstanding. Name still on CIBIL defaulters&#8217; list</title>
		<link>http://www.apnapaisa.com/2008/10/22/paid-outstanding-name-still-on-cibil-defaulters-list/</link>
		<comments>http://www.apnapaisa.com/2008/10/22/paid-outstanding-name-still-on-cibil-defaulters-list/#comments</comments>
		<pubDate>Wed, 22 Oct 2008 09:42:13 +0000</pubDate>
		<dc:creator>Greha Mataliya</dc:creator>
		
		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[CIBIL]]></category>

		<category><![CDATA[credibility]]></category>

		<category><![CDATA[credit bureau]]></category>

		<category><![CDATA[credit card defaulter]]></category>

		<category><![CDATA[credit card outstanding]]></category>

		<category><![CDATA[credit card settlement]]></category>

		<category><![CDATA[credit cards]]></category>

		<category><![CDATA[credit record]]></category>

		<category><![CDATA[credit report]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[loan application]]></category>

		<category><![CDATA[secured credit card]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=714</guid>
		<description><![CDATA[Do not be surprised if your loan application is rejected even after you have paid off your much due credit card outstanding balance. The bank might have called you and given you an option where you could just pay a specified sum, in return for a settlement letter. ]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/10/22/paid-outstanding-name-still-on-cibil-defaulters-list/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Credit Card Frauds - and how to avoid them</title>
		<link>http://www.apnapaisa.com/2008/10/22/credit-card-frauds-and-how-to-avoid-them/</link>
		<comments>http://www.apnapaisa.com/2008/10/22/credit-card-frauds-and-how-to-avoid-them/#comments</comments>
		<pubDate>Wed, 22 Oct 2008 08:03:06 +0000</pubDate>
		<dc:creator>Basha Shaikh</dc:creator>
		
		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[account take over fraud]]></category>

		<category><![CDATA[application fraud]]></category>

		<category><![CDATA[banking ombudsman]]></category>

		<category><![CDATA[credit card fraud]]></category>

		<category><![CDATA[credit card skimming]]></category>

		<category><![CDATA[credit cards]]></category>

		<category><![CDATA[CVV]]></category>

		<category><![CDATA[data mining]]></category>

		<category><![CDATA[fraudulent transactions]]></category>

		<category><![CDATA[merchant establishment]]></category>

		<category><![CDATA[point of sale]]></category>

		<category><![CDATA[point-of-sale device]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=541</guid>
		<description><![CDATA[The best way to avoid fraud is to know how the fraud occurs. Credit card fraud starts when the card is stolen or when the crucial information of the card is stolen. This includes name of card holder, the account number, expiration date, and verification/CVV code. ]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/10/22/credit-card-frauds-and-how-to-avoid-them/feed/</wfw:commentRss>
		</item>
		<item>
		<title>It’s worth to know about CNP transaction on your credit cards</title>
		<link>http://www.apnapaisa.com/2008/10/21/it%e2%80%99s-worth-to-know-about-cnp-transaction-on-your-credit-cards/</link>
		<comments>http://www.apnapaisa.com/2008/10/21/it%e2%80%99s-worth-to-know-about-cnp-transaction-on-your-credit-cards/#comments</comments>
		<pubDate>Tue, 21 Oct 2008 08:53:13 +0000</pubDate>
		<dc:creator>Basha Shaikh</dc:creator>
		
		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Client Not Present]]></category>

		<category><![CDATA[CNP fraud]]></category>

		<category><![CDATA[CNP transactions]]></category>

		<category><![CDATA[credit card fraud]]></category>

		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=528</guid>
		<description><![CDATA[The aim of writing this article is to help the merchant as well as the customer to avoid risk present in the customer not present (CNP) fraud.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/10/21/it%e2%80%99s-worth-to-know-about-cnp-transaction-on-your-credit-cards/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Getting out of a multiple credit-card mess</title>
		<link>http://www.apnapaisa.com/2008/09/26/getting-out-of-a-multiple-credit-card-mess/</link>
		<comments>http://www.apnapaisa.com/2008/09/26/getting-out-of-a-multiple-credit-card-mess/#comments</comments>
		<pubDate>Fri, 26 Sep 2008 09:23:48 +0000</pubDate>
		<dc:creator>Greha Mataliya</dc:creator>
		
		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Featured]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Bank of India Abhay]]></category>

		<category><![CDATA[banking ombudsman]]></category>

		<category><![CDATA[credit card debt trap]]></category>

		<category><![CDATA[credit card settlement]]></category>

		<category><![CDATA[credit counseling]]></category>

		<category><![CDATA[credit counselor]]></category>

		<category><![CDATA[credit rating]]></category>

		<category><![CDATA[ICICI Disha]]></category>

		<category><![CDATA[multiple credit cards]]></category>

		<category><![CDATA[overextended credit]]></category>

		<category><![CDATA[RBI]]></category>

		<category><![CDATA[recovery agents]]></category>

		<category><![CDATA[Reserve Bank of India]]></category>

		<category><![CDATA[Union Bank of India Union Mitra]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=701</guid>
		<description><![CDATA[Is the person who has overextended credit a candidate for sympathy if he means well? He wants to pay back the outstanding amounts against his multiple credit cards, but what if he has just been fired from his job and cannot make his multiple credit card payments?]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/09/26/getting-out-of-a-multiple-credit-card-mess/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Internet transactions do not guarantee product quality</title>
		<link>http://www.apnapaisa.com/2008/08/27/internet-transactions-do-not-guarantee-product-quality/</link>
		<comments>http://www.apnapaisa.com/2008/08/27/internet-transactions-do-not-guarantee-product-quality/#comments</comments>
		<pubDate>Wed, 27 Aug 2008 09:31:18 +0000</pubDate>
		<dc:creator>Basha Shaikh</dc:creator>
		
		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[credit card issuer]]></category>

		<category><![CDATA[credit card payments]]></category>

		<category><![CDATA[credit cards]]></category>

		<category><![CDATA[financial transaction]]></category>

		<category><![CDATA[online payments]]></category>

		<category><![CDATA[online vendors]]></category>

		<category><![CDATA[payment network]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=705</guid>
		<description><![CDATA[Credit card issuers are not responsible for the quality of the services/products you might purchase on the Internet. Their only involvement in your purchase is when it comes to payment.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/08/27/internet-transactions-do-not-guarantee-product-quality/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Credit card debt from beyond the grave</title>
		<link>http://www.apnapaisa.com/2008/08/21/credit-card-debt-from-beyond-the-grave/</link>
		<comments>http://www.apnapaisa.com/2008/08/21/credit-card-debt-from-beyond-the-grave/#comments</comments>
		<pubDate>Thu, 21 Aug 2008 13:16:37 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[credit card outstanding]]></category>

		<category><![CDATA[credit card statement]]></category>

		<category><![CDATA[ICICI bank]]></category>

		<category><![CDATA[ICICI credit card]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=246</guid>
		<description><![CDATA[My father who had an ICICI credit card which expired in April 2008. The outstanding on his card was Rs. 42,000. We have informed the bank about the same...]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/08/21/credit-card-debt-from-beyond-the-grave/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Defaulter due to fraudulent transaction</title>
		<link>http://www.apnapaisa.com/2008/08/21/defaulter-due-to-fraudulent-transaction/</link>
		<comments>http://www.apnapaisa.com/2008/08/21/defaulter-due-to-fraudulent-transaction/#comments</comments>
		<pubDate>Thu, 21 Aug 2008 13:05:21 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[charges]]></category>

		<category><![CDATA[CIBIL]]></category>

		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[debit balance]]></category>

		<category><![CDATA[defaulters' list]]></category>

		<category><![CDATA[fraud transaction on internet]]></category>

		<category><![CDATA[HDFC Bank credit card]]></category>

		<category><![CDATA[internet transaction]]></category>

		<category><![CDATA[replacement card]]></category>

		<category><![CDATA[reversal of transaction amount]]></category>

		<category><![CDATA[Satyam]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=240</guid>
		<description><![CDATA[A fraud transaction was made on the internet through my HDFC Bank credit card. I got my card blocked immediately...]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/08/21/defaulter-due-to-fraudulent-transaction/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Credit card full repayment issues</title>
		<link>http://www.apnapaisa.com/2008/08/12/credit-card-full-repayment-issues/</link>
		<comments>http://www.apnapaisa.com/2008/08/12/credit-card-full-repayment-issues/#comments</comments>
		<pubDate>Tue, 12 Aug 2008 13:05:22 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[banking ombudsman]]></category>

		<category><![CDATA[CIBIL]]></category>

		<category><![CDATA[credit card dues]]></category>

		<category><![CDATA[defaulters' list]]></category>

		<category><![CDATA[HSBC credit card]]></category>

		<category><![CDATA[late payment]]></category>

		<category><![CDATA[out of station cheques]]></category>

		<category><![CDATA[personal loan application]]></category>

		<category><![CDATA[settlement letter]]></category>

		<category><![CDATA[waiver]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=243</guid>
		<description><![CDATA[I had a HSBC credit card, the dues of which were settled in August 2004 against a waiver of Rs. 8, 000. I had given out-station cheques towards the settlement which took 15 days to get cleared...]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/08/12/credit-card-full-repayment-issues/feed/</wfw:commentRss>
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