State Bank Of India [SBI] — Credit Card Bogus Pending amount

Myself Govindu Pappala,

I was taken a credit card in State Bank of India Pipavav Branch, Amreli Dist, Gujarat on this date 11/10/2012. I was traveled to New Zealand in May 2015 for my new employer. I requested to before traveling to New Zealand I was cleared all due amount and communicate with customer care service and Visit Bank close/cancel my credit card because I'm moving New Zealand permanently. They told me we canceled your Credit Card after that I was destroyed my card.
Lat few months back I was go for home loan in India they are checked my CIBIL Score is downgraded due to some pending bogus amount Rs7500. Suddenly I was shocked I'm not used this almost from 10years and still my card in Active.
Blackmailing on CIBIL score downgrade on this basis of bogus pending amount claimed by SBI or Encore..