CREDIBILITY

Location/place: MUMBAI

Name of company/service: GPI

I HAD A CREDIT CARD OF HSBC. IN THE YEAR 2007 I MADE THE PAYMENT OF THE OUTSTANDING THROUGH A CHEQUE WHICH WAS DROPPED IN ATM OF HSBC BEFORE THE LAST DATE. BUT IN MY NEXT STATEMENT I WAS CHARGED WITH LATE FEE AND INTEREST WHICH I DENIED TO PAY.I KEPT ON USING THE CARD FOR 2 MONTHS AND CHARGES REACHED FROM 2500/- TO 5000/- APPROX VALUE.AFTER THAT I DID THE FINAL PAYMENT OF PURCHASES DONE BARRING LATE FEE AND INTEREST AND STOPPED USING THE CARD.
NOW THIS MATTER HAS BEEN DISCLOSED BY HSBC IN CIBIL WITH THE OUTSTANDING BALANCE OF 114000/- .WHICH IS EFFECTING MY CREDIT WORTHYNESS I DONT KNOW WHAT TO DO.PLEASE HELP.