FNB credit card

I have an account with FNB which I have no complaints about it... They even waived my bank charges on account of my age ( I am 73) But , I also have a credit card. I seldom used it as I am very lucky not to need it to live. It is only an emergency card. I had an amount to repay which slowly I did and I almost finished. I never paid much attention to the statements as I knew how much to repay to end it. But this month because I was very close to end the outstanding amount, I realized that every month, the credit card takes R82 for an account fee and R17 for a credit facility above the interest charged, Which means that once my credit card is cleared and hopefully I don’t have to use it anymore ( except for purchase that demand a credit Card, which I would repay by return), these amounts will add up every month for no reason! It is preposterous that I have to pay for the pleasure of having a credit available to me, never mind the interest charged if I use it, which is the only amount that should be charged. Ultimately, this is highway *******!!! Just wanted to bring it to your attention.