Card *****. NO protection!!!!

This is the second time ********** international transactions occurred on my credit card in 2 weeks. They closed my card but advised there is an R80 fee for each transaction for them to investigate, it was very small amounts so I didn't request that they investigate. I collected my new card the same day. Today I saw another transaction of over R3000 for some merchant in San Francisco. Again reported it and asked that they investigate as this is a brand new card, how did anyone get the detail? I never received a notification to approve the transaction, I have never used an unsecured site in my life. Something is really wrong at Capitec. Firstly they don't refund the R80 fee per transaction even if you were not at fault and how do they allow a transaction of that amount without my permission. At all other banks you only pay a chargeback fee if the investigation proves that it was your fault. It's as if they don't want you to report *****. And all other banks have specialised ***** prevention where these type of transactions are flagged and the customer contacted immediately to ask if they did the transaction. I have experienced ***** with other banks' card and they were fantastic and got my money back quickly and ensured it did not happen again. It is not safe to use your Capitec cards for any transactions as you will not be protected by this bank. I am very disappointed and will not be replacing my card.