Ned**** bank

Nedbank must just explain why does i pay for a credit card and without using it my current balance always decrease without using a cent ,this is a ****.every month i will be sent an sms or agents calling me that my credit card is overdue ,Why am i paying it if i am going to get this bull**** of **** that i do not understand .This is bull**** for sure. when ever i pay i always have funds available to me but everyday it decrease without me using it .list me or take me to lawyers ,I will no longer pay it ,this is bull****