A.
Dear Client,
Aapka credit card default aur home loan alag alag accounts hote hain. Agar aap home loan ki EMI regularly pay kar rahe hain aur usme koi default nahi hai, to bank sirf credit card default ki wajah se home loan ko NPA declare nahi kar sakta.
Bank aapki property ko tab tak seize ya sell nahi kar sakta jab tak home loan me default na ho. Haan, bank credit card dues ke recovery ke liye alag legal action le sakta hai.
Aapko advise kiya jata hai ki credit card dues ko settle ya regularize karein taki aage legal action aur CIBIL impact se bacha ja sake. Kripya proper guidance ke liye local advocate se consult karein.
Posted On 14-May-2026
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