Angry Nedbank client

I am a Nedbank client/banker. I see my issue is with Hon Fees of R90 they have. I went to the branch and i was told after i have shopped and used my card i should spend money on my acc until the retailers do there banking which is sometimes after 2 to 3 days because when they do and i have no money in the acc i will be charged HonFees of R90. Story short 3 days ago i received 180 of Hon Fees because i shopped at clicks and Woolies and mind you i had enough money in my acc only after a few days they come and charge me. Like guys i dont understand. Nedbank is making money out of the poor. I did not buy on credit i payed my money how do they even have the audacity to come and charge me for retailers who do there banking late. It is not my problem i have banked with Fnb i never had this issue first time i see a person being charged for R90 for late banking how is it my problem. I am not spending anyones money. And if someone comes and tell me i should check how much i have before i buy i swear i will scream. If i have a R100 and i buy for R95 domt penalise me fir using my money worse R90 is too much .. i am realy not happy with Nedbank they are making us even poorer.