I have a credit card...

I have a credit card by net bank paid installment of R3330 on the 2 of May where I was suppose too pay on the 3 of May, I see now on my credit card statement they charge me R886 for finances charges and the charged me vat on that as well separate what the f.... is this why is there f.... installments a month this is b.... t witch mean this is going too happen ever f..... month what b...... is !!!!!! Nedband I would recommend too NO ONE