I WAS NOT USING THE CARD SINCE 2007 THE DATE OF THE CARD WAS EXPIRED AND I HAVE NOT RECEIVED THE NEW ONE, EVEN THOUGH I WAS GETTING CHARGEBLE STATEMENTS INCLUDING OF YEARLY MAINTAINANCE SINCE IT IS ABSOLUTLY LIFE TIME FREE.DUE TO THIS MY CREADIT RATING WAS BAD IN CIBIL.AFTER SOMANY REQUESTS THEY REVERSED IT AND NOT UPDATED WITH CIBIL.I REQUEST U TO PL Z UP DATE THE DATA WIT CIBIL. MRUTHYUMJAYA read full review »