HI All,

backstory:
I was trapped with a insurance policy given on credit

card,when i found
it was very huge amount than market price i asked them

to dis-continue
my policy and suprisingly they have asked me to pay 70%

of insurance amount i.e. 18000 to cancel .
And they debited that amount on my creditcard .
i thought to not pay the creditcard bill until issues

ends.
with late fees,intrest etc for 1+ year total bill went

to 46000 .

current issue:
recently i applied for a personal loan they rejected

because CIBIL report says
i have due os RS.14170 on my credit card and i need to

clear them to get loan.

why there is a difference in amount (banks statement -

RS.46000 & CIBIL's report - RS.14170) i think there is

no transperancy between me,bank & CIBIL !
can any one please help me ? which amount should i clear

?