SBI — credit card that was lost 5 years ago

Hi Team,

I lost my SBI credit card like more than 5 years ago, I don't get even a single statement.

Used the card for may be 4-5 transaction then and had paid.

After years I got message stating annual charges and then after I complained it stopped and then after 3 yeas they put interest on it and now I am away from India they are updating intrest and affecting my civil scores. Made me willful defaulter.

How can a govt bank be doing this. I am unable to login to system to check my card details bother know it. Not sure. How to proceed