Credit card cancelation

On the 30th July 2015 I settled my credit card but when I went to the branch they said I had an outstanding balance of R431.00,which paided. They said it will take 7 working day to cancel but today the 14 August 2015 and still nothing has happened.<br> <br> When I called them they said the is another outstanding balance because of the accidental death cover and credit protection plan, which they did not cancel at the time.<br> <br> This is not my fault and I am not paying the outstanding balance as i do not have the money to payit<br> .