Have to pay even after being de*****ed!

A week ago,an internet transaction was **********ly made through my account. After being informed by the bank,my account was immediately closed and an investigation into the matter was opened. Upon enquiry regarding a new credit card, l was told I'll have to pay an amount of 150 rand for a new card, despite paying a generous amount in bank charges monthly and despite being assured these charges cover card replacement. It seems everyone can now charge for anything under the guise of \admin charges". This is pathetic service from an establishment that's supposed to firstly keep your money secure and secondly"