HDFC Bank — Amount on hold /Salary account

Address: Regenta place green leaf resort Mahabaleshwar

Why i an getting charge for insufficient fund .i am unable to maintain 10k because my salary is 10k to 12k how can maintain on this salary .Ans this is also my current salary account .why i am getting charged .on another many i request to customer care to convert my credit card bill into emi but one help me for the same, very sameless services, saying i require offer for same .how can i run my family n how should i clear my credit card bill no one is helpling to get it esier to pay .