FINANCE CHARGE

Extremely disappointed in Nedbank and the service received, on the 5th of April I made contact with the customer care helpline to query something on my credit card.(FINANCE CHARGE) I was placed on hold for over 20min as the lady on the other side needed confirmation from one of the seniors, my query was, every month ON THE 4TH I get charged a finance charge of R349 over and above my monthly premiums and she could not tell me where its coming from, she did mention that she will forward it to her superiors and I would get a refund on the service fees and a phone call back the same day, well I'm still waiting on the phone call and the refunds. I was never made aware of a monthly finance charge other than my premium and monthly card cost, I would have never signed up for this if it was made clear to me, I've requested the contract I signed and they need to highlight where I acknowledge that I'm aware of such fees, and I want to hear in the telephone conversation where it was explained to me. Not cool Nedbank!!!!