It seems to me that the obvious thing to do is to borrow money elsewhere at lower interest rate (for example, I can borrow 200,000 at BEA at 4.9% a year), and pay back the credit card, since the credit card has 31.8% interest a year. Probably if you keep the debt on the credit card you can keep paying 2,000/month for the rest of your life, and never see your debt decreasing. Aren't there companies in HK that specialise in lending money to people who have cc debts? There is one that keeps advertising on the KCR. I don't remember the name now.
And yes, trying to discuss this over the phone is a waste of time.
As mjk said, ask someone (a friend) who knows how credit cards work (and all the other options available) to help you out.