What is the relationship between 'HDFC Bank' and 'Credit Card' in the context of the input sentence.
Options: original broadcaster, headquarters location, product/material produced, location of formation

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/material produced