Absa raking in from my 'monthly charges'

I've been an Absa client for years. I've had my Absa Credit card for about the entire time.. I haven't used this card in year now either, heck I don't even have a card anymore ( I don't want one) I recently had a look at my balance and statement, as I've been blindly paying via debit order each month and never thought anything of, until I saw my statement! Absa are robbing me blindly right under my nose! aside from my monthly debit order, I am also being charged : R37.92 - Credit Life premium, R27 - Credit Facility Service Fee, R53 - Monthly Account Fee AND R172.57 - Finance Charge! a total of R290.49 in charges??? WTH! That's almost the same amount as my debit order of R362.23 oh i've just noticed there's also a R1,20 - SMS Fee, this would be the sms I receive to say they've received my debit order. This is absolutely ridiculous!! and how long this has been going on, literally for years! I haven't used this card in years, with the amount im being charged, I could've had a very decent amount saved away by now! Never will I ever recommend an Absa Credit Card!