Indusind Bank — indusind credit card payment

Address:

New Delhi, Delhi, 110083

Hi, i have a indusind bank platinum Aura credit card. The actual payment was 43000. Total outstanding is 54000 which is over limit. My credit limit was 50000. I am using this card from last 1 year.

Currently, I am experiencing financial crisis as my husband is jobless and have to pay the loan EMI's. Currently it is very hard to me to live a normal life in this financial crisis. However, every month before due day i am trying to arrange and make payment of minimum due amount from last 3-4 months. After making the payment minimum due amount for 4 months still my total outstanding is 54000 because every month interest charge is a round 2750 + overlimit : 500 + 18% gst. It is creating lots of mental pressure on me.

I contacted indusind 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. They registered my request and informed after 15 days that it cannot be processed.

I contacted the cud 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 indusind bank collection team and they are harassing as well.

I asked indusind bank for several time for settlement or covert outstanding to emi. But no hopes. I am ready to pay the total outstanding in emi option, i am not able to pay total outstanding in a single shot.