Best way to avoid problems is to pay the full credit card due in time ( read a week in advance ) and never leave even a single rupee due . Also maintain details of all ur credit card bills .I am an ICICI Credit Card holder and so far I have not encountered any problems as I pay my bills in time .When Paying Bills use the same bank Cheque i.e if using ICICI Card use ICICI Cheques, if using SBI Card , use SBI Cheque .
