Hi This is Dambarudhar Durga from odisha, I had availed a SbI credit card which had been in cibil issues and non payment post covid. I am working on recovering my cibil score. In search i notice an credit card named EARCPL reflecting in my CIBIL which i have not availed.should not be reflecting in my cibil but that it is also visible. I intent to pay out my debts very soon. But this fraudulent account of EARCPL credit card had to be reported hence i am doing so. Thankyou.