Axis Bank Gold Credit Card
Sattlement of Cradit Card out statnding amount

I have a gold credit card of Axis Bank and there is some out standing amount to be paid. I am not using this card from Aug'2009. When I last used this card the outstanding was INR 2, 000 which has become now around INR14, 000.

Now, my name is appearing in CIBIL list and I want to remove my name by doing sattlement with the bank.

Please guide If I do sattlement with the bank can I be able to get Hme Loan and will my name be there in CIBIL or not?