SBI Credit Card — Credit card not providing noc closure letter for closing sms statements.

Address:	Nagpur, Maharashtra, 440006
Website:	www.sbicard.com

11/02/2016 finance charges (Excl tax 2.30) debit 15.89
11/02/2016 total gst debit for current stmt debit 31.30
03/02/2016 fee - late payment (Excl tax 29.00) debit 200.00
11/01/2016 finance charges (Excl tax 1.27) debit 8.76
11/01/2016 total gst debit for current stmt debit 30.27
03/01/2016 fee - late payment (Excl tax 29.00) debit 200.00
11/12/2015 finance charges (Excl tax 0.59) debit 4.10
11/12/2015 total gst debit for current stmt debit 15.09
04/12/2015 fee - late payment (Excl tax 14.50) debit 100.00
11/11/2015 finance charges (Excl tax 0.12) debit 0.88
11/11/2015 total gst debit for current stmt debit 14.12
03/11/2015 fee - late payment (Excl tax 14.00) debit 100.00
11/10/2015 annual fee charged (Excl tax 69.86) debit 499.00
11/10/2015 total gst debit for current stmt debit 69.86
13/12/2014 paynet payment 000000bsbi[protected] credit 250.00
13/12/2014 paynet payment 000000bsbi[protected] credit 3532.00
11/12/2014 total gst debit for current stmt debit 410.53
11/12/2014 finance charges (Excl gst 398.29) debit 3222.38
06/12/2014 paynet payment 000000bsbi[protected] credit 117327.00
04/12/2014 redemption fee dr (Excl gst 12.24) debit 99.00

Card no.Card no. [protected].
Account number:- [protected]
The account was closed on 13th dec 2014. Uptill 11th september 2015 there is no statement for any payment as seen later by me. Suddenly on 11th october the sbi charges annual fees and goes on adding late fees extra. I have approached the bank main branch nagpur sbi but they say they will raise a issue with gurgaon office on working day.
My point is when sbi has earned so much from us, why their is not a prompt helping hand to get the closure letter by person at the branch itself compared to any issue should be solved then and their itself. It is harassment. Also i am in need of personal loan to cater the marriage in the family. I come to know that my credit rating has been negative because of this factor of sbi.