[Resolved]  Standard Chartered Bank — Damaged CIBIL Score

Address:

Faridabad, Haryana

Dear Sir/Madam, I had taken one standard chartered credit card in 2011 & used it till October 2012.I had credit card limit of 20, 000 rupees, in September 2012 I have overused the card that is beyond the limit & same was intimated by standard chartered ban to me in monthly statement & told to pay the total amount immediate. I had the paid more than due amount at that time & called customer care to close the credit card as they were not increasing my credit limit, standard charterd even confirmed me on phone that they have closed the card as i had paid the full amount. But in october 2012 they again issued the monthly statement with over limit card usage fees with intrest which i had refused to pay as my credit was already closed after making due payment, now from october 2012 till date they are issuing me statement to pay around 8000 ruppes but i have refused to pay them & told customer care many times that you have closed my credit card in october 2012 then why i will pay you this amount. No body from bank had contacted me from past 2 months . i need personal loan from home renovation urgently but whn i applied for it ever bank is saying that you have low CIBIL score due to credit card default case, i was totally surprised how a bank can damage CIBIL score for individual for theeir own interest. Now i am planning to take standard charted bank to court if they will not resolve this issue at earliest.