Hi credit bhai
back in 2008 i have given my documents for the credit card ,somehow it was rejected ,after 1 year i use to get a call from barclays bank that your balance this much and you need pay ,i told them look i dont have the barclays card and nor i am interested in ,so they started threatning me and started abusive language over the phone to make the payment ,i asked them why should i pay when i dont use the card ,3 to 4 months continuously i was getting threatening calls from them to make the payment ,which i started to ignore ,however i was not aware of this cibil things that point ,now it is hurting me ,i would have made the payment if i would have used that card ,my point is why should i make the payment when i didnot use the card ,few days back i applied for a card in axis bank i got a text message today itself that my application is declined ,when i called axis bank they gave me the reason for that because of cibil ,now it is haunting me if i need any future loan or credit card it will be decline ,and i will pay the price of mistakes which i have never done ever ,please help ,and i am eagerly waiting for that .
Thank you
