Charged service fees and insurance after insurance policy ends

I have a credit card with capitec which I pay insurance on. Due to unemployment I made a claim with the insurance company and only after following up multiple times with them was my claim paid out. The claim was paid on the 17 may 2022 when the claim was submitted in March. Capitec Bank has been debitting service fees and insurance fees from said account from may 2022 till may 2023. As per the terms and conditions of the insurance policy the policy ends after a successful claim has been paid out, why has Capitec Bank kept the account active and debitting service fees and insurance fees when the credit card should have been canceled? I have not been able to use the credit facility because I would have to reapply for credit but they continued to charge these fees from my account. Would they have done the same had the account not have been in a positive balance?