Hi Manish,
Firstly thanks for your help in my credit card issues. I have another question past few years I’ve been changing my job and wherever I go company opens a new account in different banks now the situation is that I have an account in every major private bank such as ICICI and HDFC, SBI Dhanlaxmi etc. My question is :
1. I know that if the salary is not transferred more than 3 months the bank automatically changes the account from salaried to normal savings account and a normal savings account has a minimum balance maintenance policy if not then they charge a penalty or fee etc. If I keep these account and not bother closing them will the bank call me for money like in credit cards?
2. Will my cibil score effect because of these nil balance accounts in various banks?
Please advise..