Credit card is the unsecured loan which is given by the bank to the customers, but the credit card is the primary liability for the owner and secondary liability for the lenders itself.

The dark side of credit card is the non-payment pressure implied upon the consumers and abusive language used by the recovery agents is also and which is not allowed under the R.B.I guide.

The credit card agents are employed by the different banks to recover amount from the different credit cards loans defaulters but many it has been noticed that they are behave like a dog and barking in the front of your door.

The R.B.I has made certain guide for the agents to recovers loans but the question is "ground reality is that how they really follow:

1} Threat : The big thing is that the agents gives you threat and damage your image .

2} Physical threat : they sometimes physically threat damage to your public-figure.

3} dilute public image : Public image has been exploited by the these agents.

so many reports lodges against these agents and if someone have some troubles in that it can't be out from theses kinds of mental pressure and stress and everyone should aware about the facts they behave like a money digger and bank should not hire them.

The system of government should look after in these things and stop these kinds of things to protect the fundamental rights of peoples and this should be stopped because if someone really possess that condition so it should be look after and bank should waive interest from them.

Credit card is the unsecured loan but the question is why it freely distributed among the public with absolute no security with that and if people is unable pay their debts and the bank should relate those things in their minds and try not to trouble the innocent person and defame its image.