Inferior product quality and lack of consultant experience

Firstly I really appreciated Capitec's services and fees. I am a pensioner. I had a problem with my card, through no fault of mine. It just stopped working. One of the staff at an ATM tried to assist by wiping the card with paper. No luck. He said that they were experiencing problens with the chip, various complaints. I must go into a store to rectify. I went to the Chatsworth branch. The one opposite the KFC (new branch just opened) I explained my problem. My card was tried and I was told that the card was not working. I was issued a new card. I took the card and left. When I got outside, I checked my banking profile on my phone. I seen that Capitec had deducted R70 from my account. I was never advised of this fee nor did I sign any docs to acknowledge the transaction. I went back to the Branch immediately and some to the consultant and the bank manager (Cathy). They were adamant that the fee for a new card is R70 which I'm liable for. But if they want to SELL me a product, they must disclose the price. The manager did agree with that. I was never advised of this. The manager did say, in the presence of the consultant, that he was supposed to advise me me of pricing. She also advised that if we over use the card it will get damaged. Now us this my fault. We agreed that it's a SALES PRINCIPLE that you agree on a price of product before you conclude the transaction. Thus tells me 2 very important factors. 1. Inadequate training or experience 2. The card has a shelf life of under a year and also for the last 6 months the card could not do tapping transactions.