Banks are taking loan decision based on CIBIL report and CIBIL is just publishing whatever Bank updating the details about the person in each month. I have attached the Credit report first page which get FREE from paisabazaar.com
Credit Score Factors
Here is How SBI and SCB shows my Credit Card + Credit Card Loan together which will give the negative impact to any Bankers when I am applying for the loan or credit card.
When I wrote to SBI and SCB about this issue, as usual SBI never understand my issues. SCB heard my complaint and as usual they sent mail with sugar coated words which will not going to solve my issue. Finally I close the both accounts.