Q: I have a Najm credit card, I used to do a minimum payment every month. I am working for a company for the past 2 years. I am not getting salary on time I used to get salary after every 2 or 3 months. I did them a minimum payment but late by arranging for one or another. I came to know that there is a final settlement for the credit card where you can pay a fixed amount every month. I requested them for the past 6 months but they didn't help me. Also, I came to know that they have put my salary of 11500 but I am getting a salary of 5000/-. Every month they are torturing me, for that can you help me with this. They also say they will deposit my security cheque and file a police complaint. This time when I went to meet one of the people for Najm card, I told him about my situation but they are not ready to listen. He gave me two options, either to pay 18500/- in one stroke or 20500/- in 2 instalments

Q: Hi, My name is M., and I want to settle my credit card. I am in bad credit, what is the way?

Q: Hi I had taken a loan from banks and some credit card debts need to be paid. If I take this debt consolidation and settlement plan, will it be covering all my debts? Thanks & regards

The provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.