Capitec credit card billing is crippling...so called affordable bank!

Capitec has charged me R284 Withdrawals/Transfers (29 Nov) out of my credit card and yet in the entire month of Oct and Nov, I have made no transfers out or withdrawals from the credit card. My last transfer out was 20 Sept. They have also charged me R273 and its called "Interest charged for purchases" for two transactions amounting to R495 in Oct/Nov. So you get charged in interest half of what you swiped for. There is interest charged on top of that. What is the point of the credit card if not to make purchases but to be charged so much for making a purchase? So it comes out to be very very expensive to have a Capitec credit card! Never again!