Indusind Bank — settlement of credit card

Address:

Mumbai City, Maharashtra, 400051

Hi, i have a indusind bank platinum select credit card. Total outstanding is 34000 which is overlimit. My credit limit was 30000. I am using this card from last 1 years.

Currently, i am jobless 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. However, every month before due day i am trying to arrange and make payment of minimum due amount of rs. 1560/- from last 3-4 months. After making the payment of 1560 for 4 months still my total outstanding is 34000 because every month interest charge + overlimit + 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.

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 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 because as a jobless person, i am not able to pay total outstanding in a single shot.