Why I closed State Bank of India and Standard and Chartered bank credit cards accounts


SCB, Bank and SBI  shows Credit card balance + Credit card loan balance -combine as one account. It leads any banker thinks that the person is over using the credit card more than 100%.

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

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.
SCB-and-SBI-Credit-Card-accounts-showing-in-CIBIL

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.

 

 

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Why I closed State Bank of India and Standard and Chartered bank credit cards accounts

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