Extra Charges and Breaking Agreement

Hi there ,<br> <br> I am holding Nedbank Account with 169 which covers Current Account,Credit Card ,Monthly Charges ,Internet Banking ,Over Draft ,ATM with Drawals etc.,it's for all.I should have to be charged according to contract.But they are charging seperate for credit card service fee ,intiation fee and payment insurence.<br> And i have no Med life policy but they deducted 12 Rand for Med life.<br> <br> My credit card is not linked to my main account yet.<br> <br> Regards<br> V Konduru