Credit card fees a *******

Nedbank credit card services are a *******. Being charged over R 260 monthly for finance charges even if I pay the money back before the 1st of every month and additional credit facility charges for R42.00. What's the point of having a credit card and not being able to use it because from what I was informed interest is based on the balance on your account as off the first and now I am informed interest is charged irrespective of the balance of your account but rather if you use your credit ever.

This is absolutely b.. s...