Subscribed for services I did not agree to

On 2/2/2016 I opened a creditcard account at ABSA in Piet Retief. After receiving my first statement I have three complaints:<br> 1. I cannot call the 086 number from my landline (free), because as soon as I enter my creditcard number, I am told that I need to call from my cellphone (at more than R1 per minute). I was put on hold for at least 15 minutes when I called today.<br> 2. On the statement it says that on 23/3 my savings account will be debited with R268 \as I requested\" as this is the minimum amount required monthly on my creditcard. Neither did I request it, nor was it explained to me. This is not the truth that I requested it. I ALWAYS pay my creditcard in full. As this only needs to be done on the 24th of every month, I cannot understand why an amount of R268 will be debited from my savings account on the 23rd..<br> 3. I was subscribed to life insurance. Neither did I request this, nor was I informed by Gifted that this was going to happen. For this I have to pay R14.46 per month, but I do not know what this is for, nor have I received any policy. I did not approve this payment.<br> I need someone in a senior position to contact me without delay to explain this to me.<br> "