******** ,WORST CREDIT PROVIDERS

I opened an account with homechoice in 2018. I took goods May 2020 on credit that equate to a monthly installment of R338 for 6months and R113 for 12months that equates to R451pm I have paid without a fail from June 2020 R500. Now I went to their website to check settlement amount with an objective to close the account off. To my suprise the amount due by end November is R708 which I have no idea where it comes from I have been paying extra each month .homechoice further charges me an R34 for service fees which they said was only applicable for new accounts and R67 of interest ???? Why so many undisclosed cost during credit agreements? You are the worst credit provider