Fnb -ite ms

So I wet threw my app and found that everything my account is in a minus I get charged. For the past few months it added up to R900 odd that is the only ones I have checked. Imagine going threw all my ban statements. If my account is in a minus I am struggling. Adding R400 charges the latest one is not helping I have 3 children to feed a wife. How do you rob me like this. I feel like I must move to a other bank asap. You see me struggling why not offer me a credit card then.