Standard Chartered Bank — b2 over limit charges on manhattan credit card

Address:122001

Recently i did some purchases through scb manhattan card and total amount i spent is around 51000 while the limit provided on card is 54000. B2over limit charges of 500 are imposed on it further by scb. I don't know why this cheat by bank where i can see the credit limit is not crossed yet. I need this over limit fee charges to be widthdrawn on it.
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TO,
THE MANAGER
CREDIT CARD DEPT.

SUB: CANCELLATION OF CREDIT CARD.

RESPECTED SIR,
I am having credit card of your bank visa-[protected] as i m not using since long, this is request to cancel my credit card.
Thank you,
Kirankumar Varia

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