Capitec ****ming me and charging higher interest rates

I had a detailed look at my Credit Card Statement for January. I am so shocked that Capitec Bank could be that ********* and charge me more interest than it is supposed to be. I have a credit card with R20,000.00 limit. The interest rate is 22.25% per annum. So the total interest amount per annum is R20,000.00*0.2225=R4450. Per day it is R4450/365=R12.19. For January the interest rate was supposed to be R12.19*31=R377.89. But Capitec charged me R655.98 on the 01 January - 31 January 2024 statement. This is R278.09 overcharge. This means that my annual interest rate is no longer 22.25% but now 38.62%. Is this how this bank is skimming poor people and making money by overcharging them interest? If it is someone uneducated or ********, they won't notice that they have been overcharged and this will continue forever.

I am going to escalate this complain to the Ombudsman for banking services and to the NCR.

I will have to pay off this credit card and close all my accounts with this ********* bank.