Guys.. any way to remove a defuct card fro your credit score? I had a Kotak card some 4 years back. Did an online transaction which for some reason appeared twice on my statement. I hadnt paid the extra transaction amount and it got sorted a few months later. But the damn bank is charging me interest and penalty for the months for which I hadnt paid the amount. The penalty plus interest is now 19k and since m not paying any of it, it keeps spoiling my credit history every month. Have sent legal notices to Kotak.. No use. Tried to get it reconciled on the cred app.. No use. Kotak says settle it for 10k. That's outrageous. For a mistake that the Bank did, its asking the customer to pay the penalty.