HDFC Bank — revision of credit card limit

Dear sir,

My name is Ashok. I have been using the HDFC credit card for more than a year.
Last year I received the following email stating that my limit has been revised. I did not receive any SMS for the revision of my limits. I received this email after nearly 10 days after revising my limit.
You can go through my repayment records prior to this period. By the time my limit was reduced I have spent around Rs 22000/-. So I have been charged for excess credit limit.
When the call center people called me asking for repayment, they raised one more issue-- that I am not eligible for credit card. I have been working as a consultant for Rs 30000/- per month. The call center fellow told me that my take home works to Rs 3500/- and asked how I got the card?
1. My question is why HDFC issued card if I am not eligible?
2. HDFC employees give away card to increase their points.
3. When I told these points, he started abusing me and threatened me .
4. I have been in out of employment for the last one year.
5. In spite of that I have managed to repay my credit card dues.
6. Now the last month minimum due was Rs800/- and that has been added to this month statement and the amount due is Rs2846/-.
7. I have been receiving calls from call center to pay Rs 800/-. If I pay the amount Rs 800/- now, the payment window in HDFC site will close and will open only after I receive the next month bill, there again increasing my due s and levying fines for not paying on time. So I told them I will pay by next month beginning once my salary is credited.
8. To this they are not accepting. There again individual point come into play-- if they persuade and threaten any customer to pay and if he pays, it increases the call center fellows credibility.--- This is my view.
9. Once my salary is credited i will pay half my dues and in next month salary I will pay the remaining.
10. I have been paying fines for issues created by HDFC employees.-- hope you can understand this.

After that Kindly cancel my card.

The following is the copy of mail I received from HDFC dated 27-Mar-2018

Tue, Mar 27, 2018, 6:38 PM

This is with reference to your HDFC Bank Credit Card 545964XXXXXX2680.

We wish to confirm that your credit limit on the card has been revised to Rs.16000.with no cash limit. Please note that these changes are with immediate effect.

We wish to inform you that this revision is in line with the bank's periodic assessment of credit limits subject to multiple parameters/guidelines on card usage. These guidelines are fairly wide ranging and do not necessarily reflect the credit worthiness and is in the interest of the customer.

The intention of this communication is to reaffirm that your relationship is important to us. We are honoured by your membership and sincerely thank you for using the HDFC Bank Credit Card for your shopping & entertainment and look forward to opportunities to serve you.

This communication supersedes any previous communication in this regard.

In case you have any queries / clarifications, please call us at our Phonebanking Numbers or write in at www.hdfcbank.com/query.
Please do not reply to this email. For any grievances, please write to us at www.hdfcbank.com/query

Assuring you of our best services at all times.

Sincerely,
HDFC Bank Ltd.