Settlement for credit card overdue to avoid legal action

I have a Najm credit card, I used to do a minimum payment every month. I am working for a company for the past 2 years. I am not getting salary on time I used to get salary after every 2 or 3 months.

I did them a minimum payment but late by arranging for one or another. I came to know that there is a final settlement for the credit card where you can pay a fixed amount every month.

I requested them for the past 6 months but they didn't help me. Also, I came to know that they have put my salary of 11500 but I am getting a salary of 5000/-.

Every month they are torturing me, for that can you help me with this. They also say they will deposit my security cheque and file a police complaint.

This time when I went to meet one of the people for Najm card, I told him about my situation but they are not ready to listen.

He gave me two options, either to pay 18500/- in one stroke or 20500/- in 2 instalments