ICICI Bank — credit card not used but am still being billed.cibil affected

Address:

Mumbai City, Maharashtra, 400080

I have never used my credit card till date not even for a single transaction and for that ICICI is billing me 5, 500 INR which is not fair at all. At the time of taking the card i was assured that this is a Zero balance card and i will not be charged a single rupee if i do not use the card.

Now it has effected my CIBIL report and i am not ok with this, Please advise me how to deal with this issue since i also now want to apply for a Personal loan and am not able to do so.

I don't even know my credit card number because i destroyed my card on the second day after it came in my hand.

Please help me

Trinity Gonsalves
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