Vinaykumar Chebrolu

Infogain | Ex-Harman A Samsung Company| Ex-TCS| Ex-CTS| Real Madrid fan | Virat Kohli 18 | CR 7 | RF 8 | CBN | NTR | Nellore local food lover♥

[Pooja @poojaofficial5]

₹7 lakh in HDFC Credit Card dues,
and the bank is ready to settle it for just ₹80,000.

My friend has been using the same Credit Card for the last 8 years.

But after suffering heavy financial losses, his situation became so difficult that he has now missed his third payment.

The bank’s Collections Team contacted him and said

"Settle the ₹7 lakh dues for ₹80,000. It’s better to make a decision before the account becomes NPA."

On the surface, it sounds like an incredible deal

₹7 lakh outstanding
settled for just ₹80,000.

That’s a ₹6.20 lakh reduction,

But that’s where the real concern begins.

What happens to his Credit Report after the settlement ?

Could it make getting a Loan or Credit Card difficult in the future ?

And if he eventually pays the remaining amount, can the "Settled" status be removed ?

The Collections Manager claims that he can later pay the balance amount with interest and improve his CIBIL score.

But the big question is

Is all of this in writing ?

During a financial crisis,
borrowing ₹80,000 from relatives based only on a verbal promise may not be the safest decision.

On the other hand, continuing the payments may simply not be possible,

and the account is moving toward NPA.

So he seems to be stuck between two difficult choices,

Arrange ₹80,000 today and settle,

or save whatever money he can,
explore other options and take the risk of the account becoming NPA.

If you were in his place, what would you do

accept the settlement

or first get everything in writing from the bank and explore other options ?

[Virat Kohli @imVkohli]

Jinks, congratulations on a great career, buddy. You’ve done wonders for Indian cricket, and you can be very proud of your journey. The safest pair of hands in the slips and my favourite Test batting partner. Wishing you well always. God bless. 🤝🇮🇳
@ajinkyarahane88

[SportsGully @thesportsgully]

Most decorated players in modern football!🏆♥️

[Vinaykumar Chebrolu @vinaykumarcheb1]

❤️

[Toni Kroos @ToniKroos]

Football won

[Toni Kroos @ToniKroos]

Football won

[JB @93Yorker]

🚨BEST IPL STRIKE RATE IN EVERY SEASON🚨 (Min-400runs)

2008- Virender Sehwag (184.54)
2009- Matthew Hayden (144.81)
2010- Suresh Raina 142.35
2011 – Chris Gayle (183.13)
2012 – Chris Gayle (160.74)
2013 – Chris Gayle (156.29)
2014 – Glenn Maxwell (187.75)
2015 – Andre Russell (192.98)
2016 – Virat Kohli (152.03)
2017 – David Warner (141.81)
2018 – Rishabh Pant (173.60)
2019 – Andre Russell (204.81)
2020 – Ishan Kishan (145.76)
2021 – Ruturaj Gaikwad (136.26)
2022 – Liam Livingstone (182.08)
2023 – Heinrich Klaasen (177.08)
2024 – Abhishek Sharma (204.21)
2025 – Nicholas Pooran (196.20)
2026- Vaibhav Suryavanshi (237.31)

[CricketGully @thecricketgully]

Most Runs against a Bowler in an IPL season:

🇮🇳 88 - Kohli vs Rabada (2026)
🇮🇳 74 - Ishan vs Archer (2026)
🇦🇺 71 - Maxwell vs Ashwin (2014)
🇦🇺 71 - Watson vs Sandeep (2018)
🏴󠁧󠁢󠁥󠁮󠁧󠁿 65 - Buttler vs Yash Dayal (2022)
🇮🇳 63 - Kohli vs Umesh (2013)
🇮🇳 62 - Pant vs Mohit (2024)
🇿🇦 60 - Miller vs Jadeja (2014)
🇮🇳 60 - Samson vs Natrajan (2026)
🇮🇳 60 - Sooryavanshi vs Siraj (2026)

📷 BCCI

[Virat Kohli @imVkohli]

We asked ourselves a question last year- can we go back to back?

Here we are again 🏆🏆❤️❤️

@RCBTweets

[Rajiv @Rajiv1841]

Virat Kohli in last 4 seasons of IPL:

2023 - 639 runs @ 140 sr
2024 - 741 runs @ 155 sr
2025 - 657 runs @ 144 sr
2026 - 675 runs @ 165 sr

Only Vaibhav Suryavanshi has better strike rate than retired Virat Kohli in top 5 highest run scorer list🔥♥️

[AdityaVarma @AdityaVarma45_]

• RCB need 4 runs off the final ball
• Virat Kohli on strike at 94*
• Jason Holder: 3/26 (3.5)

Harsha Bhogle 🗣️
“Kohli goes down the ground.. KOHLI GOES OUT OF THE GROUND!” 🤯

RCB is the 3rd team to defend IPL trophy & Kohli first ever player to score 10th IPL century. 😭🔥

[M. @IxonicKohli]

What a player. What a man

We are lucky to have you @rrjjt_01 ❤️

[𝐊𝐨𝐡𝐥𝐢𝐧𝐚𝐭!𝟎𝐧_👑🚩 @bholination]

Venky Iyer was 100% right about Rajat Patidar. https://t.co/XIPKPtOOZK

[🕊️ @153_centurion_]

Still the only uncapped player to score a century in playoffs. https://t.co/1ne9oyV4tE

[TVR Media 🚩🇮🇳🚩 @Tvr_Media7]

ఈ కార్పొరేట్ లూప్ లో నుండి బయటపడండి !
మంచిదే కానీ ఎలా ?
#SoftwareEmployees #outsource #ITCompanies #ServiceProviders

[Unni Rajendran @unnirajendran_]

The Last Campaign day speech of Thalapathy Vijay , Challenge to STALIN

“ U gonna Regret for touching this Vijay ” — @TVKVijayHQ

[⭐️தெறி ட்விட்டர் தளபதி⭐️ @Thalapathy_Ntr]

Telugu channels giving the goosebumps Voiceover 🔥🔥🔥🔥🔥

#TVK

[बाहरी बिहारी @Bahari_Bihari]

The man behind TVK success :-
Prashant Kishor

Vijay’s true comrade-in-arms.
#electionresult2026

[Prayag @theprayagtiwari]

The coach who is best at coaching 🔥

Prashant Kishore, was the guy who made the blueprint for Thalapathy Vijay