I closed my credit card account in july 2018. Sbi card is still showing it as active account. Everymonth they generate statement for closed account. Limits are shown as available. I took up this with them. They say it is normal practice to keep open the account for one year after closure. I received statement of account for april 2019 where they made a credit of 32 rupees. This appears contrary to banking practice. Once the account is closed the relationship of lender and borrower comes to an end.
I am afraid that keeping the account live is a source of potential fraud.
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