Kotak Mahindra Bank — Credit card settlement process

My wife received a credit card with a limit of 50k though she doesn't knows anything about credit card and it was her first time. The salalry was also less than 20k still Kotak gave card of 50k limit now that she has spent without knowing cycles of payment n other interest and charges her card is full of charges. This happened one year ago her no. Got lost now the settlement Kotak employees or third party is rudely talking with us first he offered to settle in 45k then again he asked to give 60k for NDC but we want settlement we have alot of expenses they didn't called for whole year stating they didn't had number but now they have although number is also one year old. I offered than 50k for NDC which was credit limit but they saying we will file case send police n all..very bad way of dealing putting unknowingly people in deptrap then chasing for income
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Kotak Mahindra Bank customer support has been notified about the posted complaint.
Jan 26, 2021
Updated by Hunny1111
I also noticed most complaints are marked resolved without resolution and people are complaining on that
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