HDFC Bank — Unsolicited credit card

Address:

Jayanagar, bangalore

In 2017, I was issued a credit card on my salary account, and the mailing address was my work place which is a a school. Within 1 year I quit that job. But I never received any credit from the bank during my tenure in that workplace. Later I started receiving calls to receive the credit card and they kept mailing to the school when I was not even working there anymore. I have not received or have been delivered any credit card by the bank and yet my outstanding amount is rs 4000. Due to which my cibil score has taken a hit. Why should I pay the amount for which I have not received any credit card nor used any service.