FNB causes financial inconvenience over festive season

FNB took it upon themselves to take payment for my credit card a week early "to help me manage my finances over the festibve season" 😡😡😡 They assumed I got paid yesterday, which I didn't. They also claimed I was notified by push notification and SMS. I've checked, I received no notice... And in any case, as far as I know, it is ******* in South Africa to assume consent if someone does not opt out. Explicit opt in consent is required, which I did not give.