Dear Mr arun,(arunkumarp@gmail.com) your suggestion is very good. please advise me how to settle the credit card bill ICICI ? In my case they are telling it will be settled but , when there is a due date they come and say pay this is over due and it will be settled . This is happening since 3 months , Iam paying the minimum amount. I heard that if you do not pay only then they come to a negotiable table for full and final settlement .I heard even some people have settled the account with 40% of their purchases they have made.Please let me know weather they can file any case against us?Pl advise. regards pradeep