Hidden costs, information withheld.

Like many others I was lured into opening a Cape Union Mart account with the promise of R600 in vouchers. I asked what the costs involved were and I was told that there are NONE. I app**** for the card, bought my goods, used some vouchers and immediately settled the account balance. A few weeks later I received a bill in the mail stating I owed R104, R100 \Initiation fee"and R4 interest. I reluctantly went to pay this fee at Woodlands branch fearing a bad credit rating"