Credit card hdfc
Squeezing money

I had taken credit card with hdfc bank in 2005 n been regular in payments but due to some unavoidable circumstances i could not able to clear total amount. but the card unnecessarily charging interest under different heads which i couldnot able to understand, hence i restricted to pay only buket amounts regularly for more than 4 years..now wen i asked for settlement they quoted same amount which is my overall limit..please advise me what to do... and what is to be done..is there any solution for me..im so desperate...