Ok so i did not activate my Axis Select credit card which then got added to my cibil report. After complaining with axis bank and no resolution, raised a RBI complaint. Now they are calling me and saying as per RBI rules only they have acted, a card will get added to cibil report whether i activate it or not. Can anyone confirm on this? They are saying only if i confirm to cancelling the card, it will get removed. Need help on how to handle it