Credit Card — Cibil Issues

Address:

600122

SBI Account No [protected]
credit card Advantage Plus
Account Name Sadham Hussain
Iam Received credit card from state bank of india.Unfortunately iam not able to use my crerdit card as of now due to my personal issues.iam not have been use my card still now but i got call from customer care regarding for non usage charges, how iam supposed to pay maintenance charges, so kindly reversal my penality and remove from cibil score.it was affetced in cibil.kindly accept this mail and block my card... asap

[protected]
[protected]@gamil.com