want to adjust my previous settelment amount

Location/place: kolkata

Name of company/service: HDFC Bank Credit Card

I had a HDFC(4346781012446548) credit card due to financial crunch I had use that but could not pay the full outstanding after that company offered me to setteled the card but I cant continue the settelment due to financial condition of my family then I re setteled the card but the company said the the amount which I paid in first settelment is not adjustable.
request you please do the need full as I am suffering a huge mental stress for that outstanding and I cant continue the huge EMI of the settelment becauase I am the only Earner of family (Family members 5)and presently my wife is pragnent.


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