Absurd Bank charges on credit cards

#Black Friday,I am a BlueBean Credit Card holder wit a credit limit of R 27 500,00.The last time i made a purchase on my credit card was in May 2019.My balance as at August 2019 was R 26 726,65,and after not making any purchases to date,and paying the average monthly fee of R 800,00,my balance as at November 2019,is R 25 251,03.The point i am trying to make is that as compare to other banks their charges are so high and inconsistent,that if if one wanted to use the card again,you will think twice,How do they expect customers to pay off their balances if charges are SO HIGH.Here are some of the inconsistent charges -June 2019 Cash Finance charge R 312,17;Card fee R 14,00,Service Fee R 40,00,Finance charge R 104,93-July 2019 Cash Finance charge R 260,86;Card fee R 14,00,Service Fee R 40,00,Finance charge R 90,05-August 2019 Cash Finance charge R 279,08;Card fee R 14,00,Service Fee R 40,00,Finance charge R 96,98-September 2019 Cash Finance charge R 272,93;Card fee R 14,00,Service Fee R 40,00,Finance charge R 95,35-October 2019 Cash Finance charge R 261,37;Card fee R 14,00,Service Fee R 40,00,Finance charge R 92,03-November 2019 Cash Finance charge R 264,68;Card fee R 14,00,Service Fee R 40,00,Finance charge R 94,20.Surely the banking Ombudsman can investigate Standard Bank Credit Division.