Never Swipe my card with no funds it declined

I have called FNB With regard to this HONFEE PMT BUTB NOW I ANGRY BECAUSE I NEVER HAD TO SWIPE with my Card without funds,I was 1st charged R75 for R3795 debited by Avis without my permission,again on the 16 I was charged R100 2 itemsPMT HonFee what are those 2 items? Because last time I used my card it was the 12/02/2016 I transfer funds from my savings pocket to cheque account not even once I have swiped for negative balance, and the reason I have moved my funds from my cheque card it because I left funds for other debit to go Throu but Fnb temp loan took all the funds.....now how I can be proud of Being FNB CLIENT IF THEY DO THIS TO WASTE OUR LAST FUNDS? KINDLY ADVISE ME WHICH 2 ITEMS I AM BEING CHARGED FOR? BECAUSE I DID UNDERSTAND THE R75 WAS AVIS DEBIT AND NOW I AM BEING CHARGED AGAIN? WHILE I CANT KEEP CASH ON MY ACCOUNT BECAUSE YOUR SHORT TERM DEBIT EVEN IF YOU DO INTERNAL TRANSFER ..DOWNGRADE THIS TO GOLD, REVERS MY R100 PLEASE CANT BE CHARGED FOR SOMETHING I DNT KNOW.<br>