Converting outstanding amount into emi?

Question

Sir,  This mail is in respect to the Credit card I have been using this card since last dec 2015 and since 4 -6 months i am facing severe issue to pay off the debts . Every month i have been depositing the minimum amount, and still the amount does not seems to be reduced as because the finance charges applicable thoroughly on the card. This has resulted in the accumulation of the debt to an amount of Rs. 55, 000/- as of today. I called up the customer care, Bangalore for conversion of the outstanding into EMI so that it would be a ease for me and also the late charges does not gets applicable.
However, the executives told me that that comes as an offer and presently the card does not have the offer. I am financially broken down presently and i really expect a helping hand to sort it out. And also they said that they have raised a request to the back-end team regarding this  I have already contacted the customer care services more than 20 times and I'm following up this for almost three months. 
While promoting the credit cards they showcase all features and now when it is required, they denied to provide the feature. Please consider my request and convert the outstanding amount to EMI so that it's a ease to pay the amount and also does not have a bad credit ratings. Looking forward for a positive response.
Thanks, 
Vivek

Answer 1

Dear Vivek,

At the outset, let me clarify that this site is designed 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.

The issue raised by you is not service related and hence falls outside the domain of the objectives of this site. Nonetheless I would like to state that converting your credit card dues which you have accumulated over a period of time to EMI is the prerogative of the card issuing entity. In order to come to a settlement in the matter, I suggest you to personally meet with the bank officials concerned. The matter cannot be settled to the satisfaction of the parties involved through emails or seeking help and guidance of any forum. I am sure you can resolve the matter sitting across the table with your bank.