HDFC Bank — Credit Card Collection Department Torturing

Respected Sir, THIS IS P.E. MURALIDHARAN having Hdfc Master Credit Card (Platinum) 2007 ([protected]). for the last month due still not paid it crosses the exceeding credit limit.my credit limit is 1, 50000- it crosses credit limit. but for the past 3 years I am paying minimum due something 8000 but last month I cant able to pay the due because of I loose my job. so I could not able to pay the minimum amount. I told that credit card tele caller (name. deepika, nungambakkam branch) mobile number [protected] about my situation I am asking time to repay the amount. but she tells want to pay immediately otherwise will send representative to torture and collect the payment. this Is my situation. now I don't have the regular income so I could not able to pay immediately. please advise me and do the needful. Thanks & Regards, P.E. Muralidharan