new delhi the government today said that bad debts in credit cards increased to rs 5094 crore last fiscal from rs 2852 crore in the previous yearthe impaired credit cards receivables constituted 17 per cent of total outstanding against the plastic instrument in 200809 against 10 per cent a year ago finance minister pranab mukherjee told the rajya sabha in a written replyat the end of the past fiscal there were 246 crore credit cardholders in the countrythe maximum card holders was of icici bank which constitute over 30 per cent of the total at 7782 lakh followed by another private sector lender hdfc bank at 4388 lakh the minister saidamong the staterun lenders the state bank cardholders were the largest at the end of march 2009 there were 2723 lakh plastic money holders of the countrys largest bankamong the foreign banks citibank issued maximum card at 2640 lakh followed by hsbc at 1975 lakh and standard chartered at 1145 lakh