[User_68bc195c]

U

User_68bc195c
PARTICIPANT
February 26, 2025 at 11:59 am

Your cibil is low because you did not pay the account maintenance bill, which would simply show up as missed payment in cibil.

I understand your point that you believe it was the bank’s fault to levy the charges since they informed you it was a lifetime free card, but these systems are automated. Cibil doesn’t know what happened between you and the bank. All it would see is that an amount was unpaid and was accruing interest and hence your scores were impacted.

The good news is that the cibil score does go up. Get a credit card for yourself. Use it diligently and responsibly and it will drive your score up.

As far as the legal case is concerned, it would be of no help. You do not have proof and banks can drown you in technicalities, since there could have been fine print that maintenance charges will only be eliminated if you spend a certain amount yearly.

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[User_68bc195c]

U

User_68bc195c
PARTICIPANT
February 24, 2025 at 5:12 pm

Refuse to leave. He can do squat. Once the deposit is recovered enough, just leave.

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