SFT006 CREDIT CARD PAYMENT (Rotation of Credit card)

Hi Sir,   I have similar question related to credit payment. My income is 22 lakhs and my credit card payment is 46 lakhs with 2 split banks.   I have already file ITR and got my refund. How can I submit my response. While filing ITR i didn't see that amount reflected during filing. Now I see that amount.   What response should I give to ITD, what option to choose from given options in response. Will I be queried back or questioned back for this over spending on income. These are same case rotating money from credit card.   Please help in detail way to get away from it