Refused to cancel credit card & downgrade

On the 4th of February 2025 I spoke to E-morgan from the credit card department after going to the branch the previous day to request credit card cancellation. At the De Korte Branch in Braamfontein the gentlemen that attended to me told me that I was able to cancel the credit card and continue with existing monthly repayments that goes off my cheque account towards the owed amount until it is fully paid. E-morgan then told me that they are not able to cancel the credit card before the full payment is done, then offered me 12 or 48 months re-payment plan – my only issue and concern here is that with the payment plan the card continues to incur enormous charges monthly even when I will not be able to use the card during that time, which defeats the purpose as I’m trying to avoid the same enormous charges. It is unfair to continue incurring charges during that time. All I’m trying is to avoid additional charges on the card that I don’t want to use anymore and ultimately downgrade from cheque account to savings account as your monthly charges and service fees are ridiculously high and unaffordable.