Axis Bank — Credit card limits merged

I have two creditcards issued from Axis banks with different individual credit limit, I am using these credit cards over 2 years now last months I utilized both the credit cards to buy appliances and out of blue without any intimation Axis bank merged the individual credit limits i.e 2.2L and 1.15L to 2.2L and showing a available credit limit in negetive now I am unable to use any of the credit cards as the available credit limit is showing in negetive, there is 3% over credit utilization fee if the credit limit is in negetive, More over there is no intimation from the bank about this credit limit merger, Now I am unable to pay the negetive credit limit as the transactions I paid are converted to emi,

I tried reaching out to the axis telebanking offices, they said this is a standard procedure and ends the call without hearing to my queries, till end of october 2020, i hold a total credit limit of 3.35L over two credit cards and all of asudden why was my credit limit merged and both credit cards limit is now restricted to 2.2L with an available credit limit in negetive.

Now I am afraid how many fees I have to pay during this pandemic period for using Axis bank