Nedbank Credit card account

Good day I am not happy I got a Nedbank Credit card that I pay monthly Nedbank don't send me any credit card statements monthly What I found out they put my installment with the full balance on the itc record What that mean if I wants to buy anything The institutions declined me on affordability That is not right please I need help I asked by emails to contact me no one call me This not right put the amount that I must pay monthly on the itc record