[Resolved]  HDFC Bank gold credit card — Conversion due to monthly EMI

Hi,

I am using HDFC Gold credit card for last three year, Now I have 54000 (Rs.50000 card limit) payment pending. For last one year I am paying average of Rs. 2500 per month. But still my due is not reduced, its been around Rs.50000 for last one year.

I called credit card helpline, regarding the conversion of the due to monthly EMI Or for any other payment options, but they told there is no such payment options available. I will have to pay it in one shot or significantly big amount to reduce my due.

I am jobless currently, so I cant afford any big amounts and I can pay upto Rs.2500 per month, but i dont want to be the goose that lays the Golden Eggs without any mutual benefit.

I greatly appreciate a solution for my issue.

Regards,
Rahul