Taking entire credit limit because R297 in arrear

In July I received a statement,available credit is R1 770, I short paid my minimum amount by R297 because I obviously thought they would be more lenient.I had cut up my card originally, determined to settle the outstanding debt(It is in pieces in my cupboard), I phoned on Monday 10 August to have them send me a new card. Got a call on Wednesday 12 August where the call centre agent told me that I'm R297 in arrears (yes, I knew that). I then asked her to send me my statement, as I had not received it yet (which I normally receive on the 10th of each month), \oh sorry ma'am"";I will ask finance to send it to you\""Got my statement today"