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Hi,I have two credit cards with dues ~88k and ~1.1K

I was financially doing well, but I ####ed up at the time of demonetisation. I was paying paying minimum to card for almost 8-10 months and even had to use card due to some emergencies. At the moment, the minimum due for the last month is over due. I'm paying like ~11k a month for both card. Is there anyway to convince them to convert both card outstanding into loan/ EMI with a lesser interest. Overlimit fees, late fee etc along with hefty interest is killing me.

If could get them into ~8k range for atleast next 5-6 months, I can stand alone and able to clear dues within <18 months.

My CIBIL is now become 680 due to this. I'm 26 and there is too much stress from HDFC/ SBI collection agencies. Please help me, how should I talk with them?
Multibagger Stock Recommendations / Re: Kotak Top Diwali Picks
« Last post by Dunday on December 12, 2018, 04:09:45 PM »
Are there any current recommendations btw?
I've been searching for this information for a long time and want to get it.
Indian Retail Forum and Discussion / Re: Aditya Birla Fashion - Growing Pantaloons
« Last post by Maosedin on December 12, 2018, 01:31:20 PM »
I appreciate it much better than seeing it.
India Stocks and Shares / Stocks in the News
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This is amazing but Kotak Mahindra credit card are worth taking? as they do not have much offers on credit card and also they are not much popular among people.
To make credit Canara Bank credit card payment you first have to check what is the amount to be paid and time in which it has to be paid.For this you need to follow this process:-
1. Cheque the amount due in your credit card.
2. Pay the bill of the credit card:-
    *Pay through Canara bank Net Banking Services.
    *Pay through NEFT or IMPS.
    *Pay through Canara Bank UPI mode.
    *Pay through Cheque or by Cash.
What are the methods to pay Canara Bank credit card payment?

India Credit Cards / Personal & Business Loans / Re: credit card settlement
« Last post by shipra Aggarwal on October 11, 2018, 05:44:20 PM »
Credit Card settlement is basically done when you are unable to pay the whole amount of credit or when you make defaults in payment and yourself ask for settlement. But before going for settlement you should beware of it s consequences that are going to affect you future credit requirement. Settlement hampers your credit score vary badly and if in future you have requirement to raise funds and take loan you are unable to do that for a very long period of time.
Now, if you are going for settlement with Axis Bank than they will tell you the amount to be paid in case of settlement which is generally lower than the actual amount and than they submit your account report to CIBIL, with your debt settlement part also.
CIBIL Credit Report Score / Re: HOW TO IMPROVE MY SCORE FROM 600
« Last post by shipra Aggarwal on October 08, 2018, 04:25:45 PM »

To improve your credit score you can plan to take a small loan or a credit card but with this you also need to take care that you make timely payment of those credit card and personal loan because any default can spoil your credit score.
Other than that if you have taken a credit card than you also need to have a check on your spendings which should not exceed more than usage.
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