Given the input sentence, please extract the subject and object containing a certain relation in the sentence according to the following relation types, in the format of "relation1: word1, word2; relation2: word3, word4". Relations include: 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).
product_or_material_produced: HDFC Bank, Credit Card