Utilize the input text as a context reference, choose the right relationship between HDFC Bank and Credit Card from the options. Options: product/material produced, manufacturer, distributed by, industry, position held, original broadcaster, owned by, founded by, distribution format, headquarters location, stock exchange, currency, parent organization, chief executive officer, director/manager, owner of, operator, member of, employer, chairperson, platform, subsidiary, legal form, publisher, developer, brand, business division, location of formation, creator.

Juliet DeSouza, by email New RBI Rule on Credit Card Payments I have received a message from HDFC Bank whose credit card I use: “As per RBI (Reserve Bank of India) guidelines dated 16 July 2015, payment towards your credit card outstanding should reflect in your card account on, or before, the payment due date to avoid being classified as delinquent.” I wonder whether heavens would fall if the credit card payment is delayed by even one day and the credit card customer is not instantly declared as ‘delinquent’ (thus affecting his credit-rating).

Answer: product_or_material_produced