Citi Bank — Unable to pay back ready credit

My ready credit account is deactivated may be because i don't use ready credit. But it is showing balance in negative.

Because it automatically deduct from ready credit when my account doesn't have sufficient balance. And when i want to pay back then it seems impossible because my account is in inactive mode.. what kind of logic is that?? It can deduct from inactive account but cant pay back. Custom service suggested that i need to go to the branch.. I don't have time to go branch..
from last one year bank is dedicating panelty from my account because i am unable to clear my ready credit amount.. IT'S GREAT... so what should i do now??