Charged an Honoring fee of R50

I was charged an honoring fee of R50, according to the call center it was because of the spur purchase of R190, how is that possible cause the spur money was deducted from my account the moment i did the swipe, your accounts don't update on time then I am charged for it. and then I was told that it was a mistake it was suppose to be only R25 rand cause its R25 for every R100 in overdraft. Now here comes my problem now where did I accept to be charged R25 for every R100 in the overdraft. Plus you most probably going to charge me the R57 overdraft fee too. so this means I am now charged R107 rand for a account that was in the minus because of Bank statements. Now please tell me this too FNB, how can I afford this R50 + R57 fees but when I apply for a XBox of R99 a month, you tell me I cannot afford it???<br> Please don't add it to my account cause i cant afford it as stated by you.<br> Please can someone rectify this as i didn't agree to pay this R25 honoring fees, what are you honoring, there is nothing to honor, the the account only went into a minus because of the stamped bank statements. Which I had to get to apply for a smart device somewhere else because I cant afford a R99 Xbox.