Unused add-on card reported as an active account

Bank · Credit report · credit-report credit-card

Complaint no.: N202425016024978
Against: ICICI Bank
Filed: 2 Mar 2025
Closed: 16 Jul 2025
Time taken: 136 days
Scheme: RB-IOS 2021
Closure clause: 16(2)(a)
Did it help?: Did not help
Compensation: None

What happened

An add-on credit card in my name, which I no longer used, kept appearing as an active account on my credit report.

What I asked the Ombudsman for

Stop reporting an unused add-on card as my active account.

What the entity said

The bank said an add-on card stays linked to the primary card account and is reported as active until the primary account is closed. That is its standard reporting practice.

My reply to the entity's response

I replied the same day the bank's comments were shared, repeating that the card was not in use. I did not attach the credit report.

Did the closure deal with it? In part.

What the Ombudsman decided

No deficiency. The closure letter also noted that I had replied to the bank's comments without attaching supporting documents such as the credit report itself.

Did not help

Did the Ombudsman help?

No. The closure noted my reply but held the missing credit report against me. Nobody asked me for it before closing.

What I took from it

Attach the document your complaint is about. I complained about a credit report entry and did not attach the report. The Ombudsman said so in the closure.

Related complaints

Re-filing a complaint already rejected on merits (ICICI Bank, 2025) Not maintainable

Summarised from the RBI closure letter and my own correspondence. Names of individuals, account numbers and reference numbers other than the complaint number have been removed.