Threatening from credit card require agent?

Question

Dear sir, I use to get threatening call from bank agent. Scolding to pay back credit card bills, which is 5000 become 50000. I use to this type threatening call every day. I told them let do what ever you can. 
I am not in possession to pay back any payment. mr channa reddy. It become us help less. Rather than end our self. Hope you are help us. Thanks. Govinda raju

Answer 1

Dear Govinda Raju

At the outset, let me clarify that this site is designed and managed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

Having availed credit by using the card, now you can not claim that you are not in a position to pay the bills to the bank.  Please note that it is immoral and unethical.  If you were not in a position to pay, should have avoided using the credit card.  Your card issuing bank would have given the recovery to some agency and they must be calling and harassing you for payment.  It is better to approach your home branch, explain your situation/position, request for waiver of some charges, explore some settlement and then pay off the dues as agreed upon.  Ending yourself is no solution and should never be resorted to.  Do get in touch with your bank for a quick and amicable solution.

RAJA