balina2K,
Besides what Ganpat said, please also have a look at the following:
ICICI Bank to give 15 lakh rupees to family of two personal loan customers who committed suicide after alleged harassment | Parinda.com India 360: Banks under fire for suicide cases - Yahoo! India News
The following two websites will also be of help to you:
The Banking Codes and Standards Board of India (BCSBI)
..:: BCSBI ::..
The Credit Card Holders Association of India
Credit Card Holders Association of India
Please also read the following circulars from RBI (they look different from what Ganpat has pointed out):
http://www.creditcardasson.org/RBI%20guidelines%20on%20credit%20cards.doc