Jammu and kashmir bank
Not renewing the Credit Card

I have a credit card issued from J&K bank three years back.. now the card has Expired.. I have successfully maintained mine Credit card account for three years i.e. timely paying of bills etc.. but now when I approched the back to get mine renewed card .. the incharge said they have changed the policy like.. if i dnot have any saving account they wont give the card... how can they say that... why they have opened mine account three years back... i want to fight this out.. please suggest