I am using SBI Credit card and I have purchased for Rs 11000 since Jan 2018 using the card and monthly I used to pay the minimum balance. Now I found that I have paid rs 16000 since jan 2018 and usage Charges itself is Rs 11900. Now Rs 30k is outstanding. Am I wrongly used the card? Now what is the way forward? I have to close the outstanding in one go?? Please suggest.