Credit card due

1) Dues have to be paid. Your hesitancy in not agreeing to PDC indicates you are still not sure whether you will be able to pay on that date. In which case it is better not to give the PDC.

2) There are clear rules on how collection agents should behave - plenty regarding this on this forum as well as on the net. If they are behaving otherwise, get evidence and proceed against all, including  the MD of the bank- in the first step by sending registered notices to all. But still, you have to pay the dues.

3) Realise that the Bank is extending a courtesy to you by agreeing to your request for late payments. There is a limit , however, and if they proceed to legal recourse things could get worse for you. Your Credit Rating for life and with all Banks - could be impacted adversely .

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Thanks Hardeep. Regarding to your point 3, is there any specific limit for this? Is it like a threat or legal action be taken even for a month's due?

My understandin was that...this could be with cases where there is no  payment for long term...legal actions are to resorted to.

Please advise

There are no hard and fast rules for this...depends upon your past payment track and amount due. Normally just for a month's due bank will ask you to pay up at least the minimum payable and then carryover the rest to the next month, along with interest and penalties etc. it is better to pay at least the minimum, rather than be classified as a defaulter with all the tensions it brings along with.