I used to hold an ABN Amro(Now RBS) co-branded credit card back in 2008. After using it for a period, I realized that the card was no good for my needs. I called up the customer care and asked for the account closure. Believing that the account was closed, I destroyed the card and any related documentation accompanying it.
Recently I got by CIBIL report generated and to my astonishment I find the card to be still actively listed. I can't get this card closed as I have no details with me. I do remember the online banking userid but the ABN amro site no longer exists and the RBS site doesn't recognize it. Following are my questions:
- Does the presence of unused cards adversely affect my credit score?
- Is there a way to get this card details removed from CIBIL report, other than that from the bank?