Mere pass ek credit card jiska overdue 164000 hai mene bank ko email bhi kiya ki me minimum due nahi de sakta ap mera monthly emi bana do me monthly payment kar dunga par koi reply agi nahi aaya abhi tak kya karu

Agar aapke pass ek credit card hai jiska overdue amount 164000 hai aur aap bank ko email ke madhyam se bata chuke hain ki aap minimum due amount nahi de sakte aur chahte hain ki monthly EMI ke roop mein payment kar saken, lekin abhi tak koi jawab nahi aaya hai, to aapko kuch steps follow karne chahiye:

1. **Contact the Bank**: Sabse pehle, aapko phir se bank se sampark karna chahiye. Aap call ya email ke jariye bank se direct sampark karke apni samasya ko explain kar sakte hain.

2. **Registered Post**: Agar bank ab bhi aapki samasya ka samadhan nahi kar rahi hai, to aap registered post ke madhyam se bank ko ek formal notice bhej sakte hain apni samasya ka samadhan ki anurodh karte hue.

3. **Consumer Forum**: Agar bank aapki samasya ka samadhan nahi karti hai, to aap Consumer Forum mein shikayat darj kar sakte hain. Consumer Forum aapki samasya ka samadhan karne ki koshish karega.

4. **Legal Action**: Agar koi bhi upay safal nahi hota hai, to aap ek vakeel se salah lekar kanooni karyawahi kar sakte hain. Aap IPC, CrPC, CPC aur banking regulations ke antargat aise mamle mein vakeel se samprk kar sakte hain.

Credit card ke case mein, aksar banks settlement karne ke liye taiyar hote hain agar aap regular payments kar rahe hain aur unhein apni financial situation ka pata hai. Isliye, samay par sampark mein rahna aur sahi salahi tariko se apni samasya ka samadhan dhoondhna mahatvapurna hai.