[Resolved]  State Bank of India — purchases made on my card

Sir ,
I am not purchasing any thing using my credit card for the last 3 years but my bills are going on mounting.ambiguous state ment is sent .now and then I am harnessed to join different protection schemes. on 05-07-09 fin charges on retail(excl GST 27.79) amount was 269.83 D last month the statement was Fin charges on retail (EXCL GST 38.79) 376.58D .I have not made any purchases and how the bill amount raises I don't understand.I was told I have to pay 15000 and close the credit card.I am not a business man .I am only a private school teacher in Tamil Nadu private school teachers are low paid.I have become indebted as nearly over 800rupees is leached out of my budget by these greedy guys.