I have a credit card of hdfc bank.i was told that it was a free card. and i haven't used the card ever, not for a single time.but the hdfc people are sending me letters that i have a outstanding and the letter even threatens to initiate legal action against me if i donot make the payments.it is so surprising that i haven't used the card to buy any commodity nor did i ever availed any service through that card . the card was never punched (since it was never used). hdfc is the worst of it's kind. please help me to get rid of this kind of harrasment.
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