We infer from your email that you are perplexed with the receipt of email and SMS confirming that the credit card has alreadty been renewed, and sought resolution of your concerns. Being completely sensitized to your concerns we have reviewed the same and we wish to inform that prior to expiry of your card, automatically renewal card shall be generated by the Bank in order to facilitate continual usage and transactions on your card account. Hence, renewed cards shall be despatched to your registered mailing address as per our records by end of the month November 2021.