How can I negotiate with the bank to pay outstanding credit card on instalments?

Hi,

I have a credit card issue. Since last 2019, I am asking the bank for negotiation. I paid for around 4 and half years but now I am not able to afford it anymore.

But they are not negotiating and telling me to pay the full principal amount. They are calling and harassing me but not negotiating.

How can I come out of this issue?

This issue is pending since 2019.