Opening account is different, I would say try closing account with PAN and getting a credit instrument. Also thats why I said may. Things may have changed now, but a known person it citibank had told me they check both external inputs and their in house database before determining whether to give credit.
Again if you close savings account like that, open a new account which may not be an issue and if things look good for them on that, based on overall they may give the credit
Again if you close savings account like that, open a new account which may not be an issue and if things look good for them on that, based on overall they may give the credit
