Dear Sir,

I am a HDFC gold credit card holder. I have used the credit card last in 2008 and the outstanding was Rs 32000/- then. from almost 18 months I have been paying the monthly minimum amount of Rs 2000/- every month but the outstanding shows it is Rs.45550/- now. As I am also one of the victim of economy slowdown I have some downfall in my finances also. As I have paid enough of min balance every month, I would like to get rid of this asap by settling it with some discounts..Kindly let me know how to go about it...

Thanks
Praveen