Citibank — Fraud bank

Hi, i have a citizen bank credit card. Total outstanding is showing now 106000 which is overlimit. My credit limit was only 75000. I am using this card from last 2 years.

Currently, i am jobless from 1 year and not able to make payment of my total outstanding. Currently it is very hard to me to live a normal life in this financial crisis. My total outstanding is 106000 because every month interest charge is a round 3600 + overlimit : 500 + 18% gst. It is creating lots of mental pressure on me.

I contacted citi bank credit card settlement team for the same and ask them to convert my outstanding to emi. They told me that no emi option is available on my card and then after disclosing my current situation, i asked for settlement the total outstanding.
I contacted the collection team and got disappointed. They told no emi or settlement option is available on my card. They threaten me, that if i am not able to make the payment then they know how to recover the amount and some abusive word. I faced this issue and this create mental pressure on me. Moreover, every day i got so many calls from citi bank collection team and they are harassing as well.

I asked citi bank for several time for settlement or cibil clear in low amount. But no hopes. I am ready to clear my cibil in low amount.

Card number [protected]
Mobile number [protected]
Email [protected]@gmail.com

Arun goel