STOP DECREASING CIBIL SCORE DUE TO CREDIT CARDS
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I had 1 credit card of Standard Chartered bank in Kolkata on 2010 & surrender the same on 2012 after making full payment to executive. After a year I sifted Ahmedabad in transfer. I lost the receipt of the card surrender, and there bank starts calling me and saying I had purchase something and to pay the amount, I told them I had surrender it before and if something is show sent me detail, the person refuse to mail me details & talk roughly so I disconnected the call and block all calls from the bank.
The banker written off the amount on 2013 and decrease my CIBIL score from 780 to 480 and currently my score is 327 for just 1 fake payment written-off they reduce the score more then half.
There are many people whose CIBIL score is less due to fraud, misrepresentation and cheat from the banker. Its really unfortunate that people have to pay the amount as filling case will took many legal proceeding which is much time taking, which is known by banks, So they are misusing their power & black mailing the consumer to pay the amount.
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