Capitec bank credit card

I opened a credit card with capitec, worst decision ever, they have been deducting huge amounts of money in my account the largest was 4500 without calling or SMS ing me, I then called to make payment arrangements after 3 weeks they sent an SMS saying insurance for credit card still outstanding which I didn't know about. Capitec bank has inconvenienced me so much I even moved to fnb because clearly they are clueless and the credit card is a joke.