Only the person who has applied for a credit card, owns it and is paying the bills is legally considered the credit card holder.

However bribed by google, tata, the SEX addicted top NTRO, security agency employees are involved in a massive SBI credit card fraud in panaji, goa falsely claiming that the google, tata supplied slim goan bhandari R&AW employee call girl sunaina chodan, who offers sex services or is related to these officials, indore document robber housewife veena and has not applied for any credit card, owns the credit card of a single woman engineer, private citizen, domain investor and google competitor

The google, tata masterminded sex, bribery racket on the hardworking engineer started in 2010, with top ntro, security agency employees having regular sex with the call girl R&AW employees like sunaina, siddhi, getting bribes from other frauds like riddhi nayak, veena, naina and others . After the indian government changed the anti corruption act to include sex bribes after people started complaining about the sex racket, the raw employee call girl sunaina was rewarded by CIA with a recruiter job for getting top R&AW/cbi employees addicted to her sex services

However the ntro employees led by sunaina’s sugar daddies mhow cheater puneet, j srinivasan,tata pimps and lovers continue with their SBI credit card fraud in panaji, goa, wasting indian taxpayer money to dupe people, companies and countries that the top sex service provider owns the SBI credit card of a single woman engineer, so that goa’s top goan bhandari PROSTITUTE sunaina gets a monthly R&AW salary for faking domain ownership, defaming the real domain investor, google competitor who actually owns the SBI credit card