Charged for services I didn't use!

I had opened a credit card with FNB last year I think. I had not activated the account or used it. even the card I didn't collect. The account was not in an active status and had not incurred any charges. Then recently I received a message saying my account was overdue. It was owing R 200 and something. The consultant called me, saying I was owing. I asked her how do I owe the account the was not even active and when did it start incurring charges? When I asked her this question she said, she's not able to see far back only 3 months back. If it was charging me all along, how much was it charging me, R2 something monthly? and from what I know if an account is not used for more than 3 or 6 months it becomes dormant. so what happened here I don't know. I feel **********. I had closed my main account last year because of the monthly charges, as I was using the account and if I had known this was gonna be the issue I would have closed the credit card s well. <br> The following month it was R404.98, double the amount. I am going to pay them and close this account. I want nothing more to do with fnb. I am so disappointed and angry for having to pay for something that I didn't even use, haibo