Credit card problem

The purpose of CC is only to use it in lieu of cash.

If you don’t have cash don’t use CC.

Each transaction on CC is debt.

By now the delinquency would have been reported to credit bureaus and penal charges would have been levied.

Settlement is also adverse entry.

Like you are trying to cover your salary make arrangement of funds and pay the debt, or you may not get loan in future.

The collection/recovery agents of the bank shall be chasing you.

The CC may be blocked anytime and permanently blocked.

civil suit can be filed on you by the bank after they fail in harassement.  It is a recentdebt.