HDFC Bank — Credit Card | Multiple loans active without permission

Hi,

I had opted for SmartEmi on my hdfc credit card for a certain amount. Got a call automatically from HDFC saying I can upgrade it to a larger amount to cover the following months bill as well. I repeatedly checked if anything needs to be done from me for which the executive said no, nothing needs to be done.
Now when I check my account, there are 2 loans running! And I'm being told to pre-close the previous one even though I was told the same one is upgraded.
I repeat, when asked if theres something to be done by me, the executive said I dont have to do anything. WAS NOT informed of pre-closure formalities.