Hi have a HSBC Gold Credit Card, and around 14 months back I did some credit purchase on my card for approx. Rs. 46, 000. After that due to some financial crisis, I have been paying the minimum due on my card every month without fail, though i missed the due date some time (twice). But despite paying the monthly payments for the last 12 months, the outstanding on my card is ncreasing rapidly and now it is almost double of what I have actually spent on my card. I talked to the HSBC custome care for full and final settlement and they said that I will be blacklisted after the full and final.
Now I don't understand what to do, if I settle my dues, I will be blacklisted, and paying the whole outstanding will be like getting cheated of my hard earned money. Please advice
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