Standard Chartered Bank — b2 over the limit transaction

I have a limit of 50000 on my credit card and my current balance is 41k + 3k on emi, but then my available credit is 0. My last month statement is 15+3k and my current month is on-going.

I have scheduled payment of 18k for my statement already well within the time.
But scb charges me 500/- + 90/-tax for 2 days.

For what reason has this been done. Helpline is stupid and wont explain it to me. Besides for any reason, i should have been intimated about my transactions and declined.
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Dear Sir, I got a credit card of SCB but i didn't get 4 digit credit card pin. without 4 digit pin it's was useless for me. Please provide me the details for getting 4 digit credit card pin.
After 3 years o[censored]sing my account I am suddenly getting charged for minimum balance . I want to close this account as I am not able to pay the charges.

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