Dear all gurus and financial advisers Good Morning

I know that most of the people must have gone through a situation like me in their past life and come up with good advice and did not make the mistake once again . In my case it so happened that i am working for a worst company MNC which does not provide health insurance and the salary is also not up to the mark what to do if their is no employment then what to do we have to join MNC my wife was pregnant and and unplanned emergency occurred and we had to admit her to a private hospital at that time i had asked help from my office but was denied so i used my credit card and swap my credit card for 50000 rupees and thought that i could convert it into EMI from HDFC Bank but unfortunately when i asked them to convert it into EMI they denied saying that this scheme is not available in your credit card.

So i am paying monthly minimum amount due, I am pleading them to convert them into emi but their are not agreeing any idea what should be done in this case and another problem is that at the same time i had an medical emergency had dengu fever and had to pay 21000 to hospital charges and had convert 21000 as a emi to my other credit card and next month is the date i am looking out for a personal loan to clear out my deals and pay it on emi another problem is that when i applied for a personal loan the bank people are saying that you have a long outstanding according to the cibil records i do not understand what is a long outstanding mean because i have made all payments to my credit cards i have not defaulted my credit cards or gone for any settlements so do not know what to do in this case please give me some good advice please