"They are actively looking at your portfolio at regular intervals (like every quarter or half yearly) to determine strategies that include collection," Harshala Chandorkar, senior V-P, consumer relations, Credit Information Bureau (CIBIL) said. CIBIL is India's top body providing credit information.

Suppose if you have got two or more cards from other banks and also a personal loan before your next review, then risk on your profile would be different when compared to a single-card holder. "We continue to closely monitor the delinquency levels," the Kotak spokesperson said. Card blockages are entirely dependent on an individual’s bank’s internal credit policy and there are no standard rules for this kind of blockages. "It is entirely up to each individual issuer on what to absorb and how much to absorb," Mohapatra said.

Organizations like CIBIL are also started awareness camps on the basics of card payments, including minimum dues. "A lot of customers have misconceptions about minimum dues. They are not aware that they would have to pay a high interest on the balance," Chandorkar said. For instance, if the monthly due on your credit card is 100 and you have paid the minimum due of, say, 2, you would be charged a high rate of interest (35 percent-40 percent) on the remainder amount (98).

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