[Resolved]  HDFC Bank — Unethical charges on credit due

Address:

Bangalore, Karnataka, 560029

My name is Vignesh M, I am holding a HDFC credit card since November and my credit limit is 30k, out of this I spend 3k & 27k which includes 2 EMI's for amount 10k and 17k. These people never told the cons of credit( ie. min due) which literally affected me lot. Being 1st time credit card user I am really not aware of the crap behind the min due. Unknowingly I paid 2 r 3 months and suddenly a month i unable to clear due on time and collection team called for clearing due and gave me a shock asking me pay certain which seems on higher side and that time also promoting to pay min so that we won't disturb. After clear discussion came to know that min due won't make impact in due amount. But my financial situation forced me to pay min due and continuing the same till date for last 9 months (nearly 20k or more paid) and still my outstanding is 27 k. I am highly forced to be mental pressure. If asking clarification they are trying to prove and justifying their deduction.

I need help through this forum to close this Credit card with minimal pay considering the amount paid by me so far and get me relieved out this mental pressure.