Discovery card your service is terrible! 3 instances now!

So frustrated with discovery card. Don’t know how you guys expect to run a ban****! Firstly. In December my current account gets debitedfir my monthly installment on the 15th December!! Firstly, you shouldn’t be debiting any account without permission or informing me. Secondly why would you do this 10 days before the amount is due?!?!?!?!?!? I was reliant on that money being in my account. I emailed the same enquiry email over 8 times with ZERO response from you guys. Disgusting. Secondly, last month February, I wait for you to debit my account as this is clearly what you guys do now and even email discovery asking what days you will debit my account for the installment. No one can help me. So I wait and no debit goes off. Obviously I then pay the installment and more as I usually do. Now I try activate the Apple Watch benefit and it tells me even though my card is in good standing and has enough funds, I can’t activate it cause my card hasn’t been in good standing for 3 months. Absolutely terrible service from you guys as I have had a good standing discovery card for almost 10 years and a discovery health member from probably almost 20 years. And on top of it, I purchase flights so I can boost them on flight booster but now it says I can’t boost my flights cause I don’t have banking details for cash back yet every month I receive cash back for healthy food and shoe booster. Such bull**** and again I email and no response from you guys. Honestly as a loyal customer for so many years and this is how I am treated. Disgusting. Really thinking of changing!!!!!