Be prepared for the worst if you get a call asking u to pay your credit card dues when you don't have that Bank's card.One pays heavy price for the Bank's mistakes.I recently went through nightmares for 3 weeks.Thanks to SBI cards(GE Capital).They called me to pay up.The Name was wrong,the address was wrong and I explained to them that they were calling the wrong person and that I don't have SBI card.I kept getting atleast 20 calls a day from morning 7 a.m.I complained to the GE capital office and they promised to help me but they did not.I threatened legal action but in vain.I was prepared to prove my identity but they did not seem interested.This can happen to anyone.And you can't do much.