1. You have to give in Writing to de-link from your Savings Bank A/C.
2. Yes it is linked to Cust ID. You can confirm this by calling the Call Center of Credit Card and Giving your Cust ID, she will pull up your Credit Card details after long list of verification.
3. Yes. Essentially you are linked in their internal systems by means of PAN Card.
4. How will I know what is going on in your mind ?