Home Credit Loan HDFC Axis Bank - Home Credit Axis Bank And Hdfc Bank Harassing for EMI payment of Credit card bill and EMI

Hello this is Harsh Mahet Active user of Bank of Axis bank, HDFC Bank and Home credit as i have taken loan from Home credit ending with ********* and also using credit card of HDFC bank ending with ****but due to not getting full salary i am not able to pay EMI on time which is effecting my credit score also getting harrasment from HDFC team for collection activities which is not good for common people they harras and threat that we will visit to home for collection
Its request please stop them and allow me only ** to ** days i will not delay them for EMI payment its request sir
even i talk to them for settlement but they refuse to do this as i am not able to pay the EMI please help me getting moratorium