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Kindly answer, Its regarding CIBIL?

 atheist on Sep 4, 2011
Hi, I availed a loan from citi financial 4 years back and i could not pay in time. so I made the settlement with them and paid in a single shot. Now, I am financially good and planning to apply for icici instant credit card against fixed deposit. Whether, it will be declined, as i have made settlement with citifinancial. because many saying, even i made the settlement, it will be viewed as default by CIBIL. Kindly clear me..
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