Standard Chartered Bank — Auto link of the Credit card with the already closed account

Address:

West Bengal

Hi,

I got a call from a sales executive of standard chartered bank to apply for a credit card. After i applied for the same i made a purchase of rs 1200 for which I did not recieve any statement from the bank. After a couple of months i got a statement from the bank with a due amount of Rs 2500 including charges of Rs 1300 for returned cheque. After my investigation with the bank I realised that my crefit card has been linked with my standard chartered Account which I have already closed a year and half back which obviously had no balance.

I have a couple of ques:

How can thr bank do an ecs without my permission and that too with an account which has been closed long back? Is this the way by which the bank have been making money?