Dear Sir, During the time of working my salary account was with HDFC Bank and for 2 years my salary was credited -I was suddenly faced with opting for a credit card by the customer care people offering a rosy picture for account holders -Reluctantly I accepted the card , now I have lost my job and unable to pay my dues in time, I had paid a maximum of minumin payments regularly for a while -I need more time to clear dues as I have just got a small job -The telephone calls are killing me slowly -Please suggest how to go about it.