Hi This is Surendra Nath from Chennai and I have been living here since 2014. I am married and have a 3 months baby. Due to some medical emergencies I had spent my credit cards and paying every month around 10K so I decided to take a loan which far away better than to make only interest on the credit card out standing. Apart from that I will use some fund to do my ACAMS (global AML certification) which can be usuful to move to the next level.

I am working as a Manager in risk & compliance (AML & KYC) department in Aditya Birla Idea Payments Bank Limited which is a part of Aditya Birla Group. I have even worked with top MNCs in my previous jobs. I can make payments on time since I have been paying my credit card bills without missing even a month. Main thing is I don't want to spoil my CIBIL score as it plays a major role in any financial matters. Hope you can understand. Thank you.