[Resolved]  HDFC Bank — Taking EMI for a failed transaction

I have made a payment on Flipkart of 11054 on 18 March 2021. but due to some problem, the payment was not confirmed from the Bank's end. But my money got deducted from my card. Immediately I called HDFC customer care they said that the payment is pending due to some technical issue from Bank's end and the customer care agent told me to wait for 24 hours to get an actual update.
And on the next day my order got canceled as the payment was not confirmed by HDFC bank and a refund was issued for the same. On 19 March 2021, the refund of 11054 credited to my Credit Card. Till now everything was fine.
Now, On 26 March 2021, I have received a mail that the payment of 11054(Which is already refunded by Flipkart) is converted to smart EMI. Even my order did not place though it's converted to EMI.
So, what I get from here is - I am paying extra interest for a failed transaction.
I asked HDFC customer care regarding the whole situation but they are asking a huge amount of money to stop the EMI.
My only request is to stop the EMI without any certain charges, I do not want to pay any extra charges for a failed transaction.
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