ICICI Credit Card
Credit debt keeps rising

Hi

I have a ICICI bank credit card debt. The amount actually spend by me was paid long back but the interest kept increasing, I have been paying almost every month Rs 2000 or Rs 5000 towards it but every time it has only increased and today has become Rs 40000. I dont have that kind of money. For all other cards or payments I have been very swift but ICICI has made me mad.

Now they have called us and we said we have paid so much when will it all end so they said to do a settlement by paying 25000. But that too is to much for me in one shot.

What should I do? Can I pay this in 5 installments? will they or should they agree to this?

Is this a safe option? Will I then never be harrassed like others.

Please guide.

Thanks