SBI — credit card

I have a sbi credit card, due to some reason i unable to pay my monthly bill & now i want to close my credit card, then ask for settlement but some collection executives are denied for settlement. They argued that once the credit card is taken then should close after 10 month only. So they asking for minimum payment. I don't know why because when i was purchasing card they were not told me anything. Now they try to loot my money of course i missed to make payment on time. But now i am coming for settlement then why they are denying? May be for agent commission.