[Resolved]  Standard Chartered Bank — Taking advantage of delayed payments

I was having the SCB credit card with me till 2009 and I was regular on paying the credit card bills. After the card expiry I received the new card . However nowhere it was mentioned that still the old card will have outstanding amounts which I should pay. Meanwhile my address and phone number got changed ,I failed to update the same in the banks record immediately but after 2-3 months I have done that. Even after that I have not received any call on the non payment of old card. 1 year later when I went to apply personal loan of HDFC bank the CIBIL score was bad and I was not at all awre why? Because as per my knowledge I was reguler on all CC payments. When I got to know that that is because of old card I raised the complaint as per the suggestion of the customer care executive of SCB. But I did not receive any effective communication on CIBIL. Again 8 months later the executive of SCB has sent me mail for the payment of dues. The amount was doubled till this point in time. I asked them why didn't you call me before? You could have done this after 6 months of non payment , you are doing this after 2 years. Why? The answer was dissatisfactory and non sense. The bank executives can call us and force to buy the credit cards, when we are not even wiling to, but after getting the card can't the keep reminders or at least the process to ensure that because of negligence the customer is not falling into trouble? And also if the people can finally come for recovery then why that cycle is noy maintained of shorter time periods like 6 months max? Why I got a call directly after 2 years? Isn't the banks are fooling the people and taking the advantage of probable nigligence of cutsomer? Once the customer is relied on bank the bank is simply cheating him by such experiences. I would suggest everybody not to go for credit cards...and especially Standard Chartered Bank credit cards.