You’re on the right track. In India, credit card debt and high-interest loans can get out of control quickly. Follow these steps:

Prioritize improving your CIBIL score over increasing credit. A better score secures better deals. Consider consolidating debt into a lower-interest loan. Discuss lower rates with your bank. Emphasize steady repayments to boost your score. Avoid seeking new credit until your score improves.

Thanks for the reply. I already filled the complaint; hopefully, I will get rid of this issue very soon.