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 aapne bank ko official email bheja hai aur koi response nahi mila hai, toh aapko kuch steps follow karne chahiye:

1. **Call Customer Care:** Sabse pehle aap bank ke customer care number par call karke apna case explain karein. Aksar yeh tarika sabse tezi se response milne ka hota hai.

2. **Email Reminder:** Agar call karne par bhi koi response nahi mila, toh aap ek reminder email bhej sakte hain bank ko. Ismein apne pichle email ka reference dein aur situation ko samjhaayein.

3. **Physical Letter:** Agar email aur call dono se koi response nahi mila, toh ek physical letter bhi likh kar bank ke branch ya registered office me bhej sakte hain. Ismein apne details, credit card number aur problem ko clearly explain karein.

4. **Visit Bank Branch:** Agar kisi bhi tareeke se bhi koi response nahi mila, toh aapko bank ke branch mein ekbaar personal visit kar leni chahiye. Waha par aap apni problem ko branch manager ya kisi senior officer se explain kar sakte hain.

Agar in sab steps ke baad bhi bank response nahi deti hai ya aapko help nahi karti hai, toh aapko ek consumer court mein complaint karne ka option bhi hai. Lekin pehle sabhi communication proof (emails, letters, call logs) collect karke rakhna zaroori hai.

Note: Credit card overdue ka issue serious hota hai aur isse aapke credit score par bhi asar pad sakta hai. Isliye jaldi se jaldi bank ke saath communication me rehna zaroori hai.