R150 interest on a R280 amount!!

It's with mixed emotions that I'm leaving this review, as I posted about 2 weeks ago a very positive review.

I recently paid off my credit card but asked to keep it open for any unexpected emergencies, such as a new tyre or a burst pipe, etc. I was advised correctly that there will be a monthly charge of R50.00, and I was happy to pay that.

I forgot to update Netflix and Prime billing info and they deducted their charges of R280.00. I went and pay the fees (within hours of the transactions) charged and the credit card outstanding balance was again on zero. Lo and behold this morning, I received and sms from Capitec stating that I'm outstanding R250.00 and 1st instalment payment of R60 will be deducted end of month. I went in to investigate, to realized beside the R50 monthly charge, Capitec charged R150.00 intrest on the charges of R280.00. R150!!!! On an amount which was paid within hours of the transactions happening. As if that wasn't bad enough, additional charges of Death, disability and unemployment insurance!! On what?? The balance was zero!! I phoned to close it, and was told another R50.00 charge fee to close the card! I don't mind paying the R50.00 montly fee, but Capitec literally just ate R300.00 from my hard earn salary for mahala!

I know everything is "system-operated" but surely there should be exceptions! Very unhappy about my last interaction with Capitec.