8 yrs ago I had to pay HSBC 1,10,000 in credit card dues. I discussed with the bank and we agrfeed on a settlement plan. Under this plan, I paid 65,000 in a settlement to HSBC. I just got my CIBIL report and noticed that the bank has shown this in a negative way – because of this, I am unable to get a loan now or even get an increase in my credit card limit.
Do I have a way out? What should I have done differently for this to be avoided?