There has been a drop of about 40 percent in use of credit card in the current year from the previous year.
If the inference is ‘definitely false’ i.e. it cannot possibly be drawn from the facts given or it contradicts the given facts.
It is mentioned in the passage that the number of credit cards dipped to about two crores as of end February 2010 from around 2.5 crores a year ago. Thus, the drop percentage is 20 percent.