59% interest charged by FNB (***** National Bank)

FNB has turned into one of the biggest ***** companies regarding interest rates. Make sure to check your interest rates and work it out. I have requested multiple times to send me the breakdown and no response or they just place you to the next consultant because they are to stupid to know how to work out interest. This you call qualified people???? I think they bought their degrees at some back street sales person! I have a personal interest of 14.5% last month I was charged on R5'938.13 outstanding an interest of (R3531.24 p/a) which is 59.47% interest! After this I made sure that I clear my credit card end of last month with this interest. This month on a R-1.00 (positive) balance I get charged R21.88 interest! I am still waiting on answers from FNB or shall we call it ***** National Bank?