Annoyed with standard bank

So frustrated with this bank changed to stand bank thinking they were better but seems as if they are the worst they can't give u a credit card unless you earn a certain amount which is so much to start with and then they don't notify you if you make a transaction and you have insufficient funds instead they charge to r100 and over because you went over by r1 utter bull**** I've never heard of this before totally just robbing people blindsided