Concern Regarding Credit Card Repayments and Charges

I am extremely concerned and distressed by my experience with Standard Bank regarding my credit card account.

I have been repaying a credit card with an original balance of approximately R30,000 for over four years. During this time, a debit order of R866 per month has been deducted consistently. To date, I have paid more than R45,000, yet I am informed that only around R2,000 has gone toward reducing the actual capital amount.

I have repeatedly been told by consultants that my payments are being absorbed by “charges” and “recalculated charges.” This effectively means that despite paying every month for four years, almost none of my money is settling the debt. It feels as though my repayments are going into charges rather than reducing the account balance.

What makes this situation even more alarming is that I do not use this credit card at all, yet the balance barely moves. I have contacted consultants multiple times seeking clarity and assistance, but I have received no meaningful explanation, breakdown, or solution.

This situation feels completely unfair and financially damaging. I am emotionally exhausted and deeply upset that after years of consistent payments, I am still trapped in the same position with no transparency. At this point, I feel ignored and taken advantage of. I am posting this publicly as my attempts to resolve the matter through consultants have been unsuccessful. I feel ****med