Don't trust standard bank

This is the last straw I'm shocked with standard bank I when into house and home yesterday they issued me with a refund to my surprise the the refund when off as a purchase the issue at hand is I don't have that much credit available and standard bank still allowed the transaction to go through on calling the Prestige line I was informed that the bank can honor a payment on my behalf which I did not authorize apparently this is in my term and conditions that I signed Standard bank doesn't adhere to NCA they have their own laws and rules. As a customer there is no trust between the bank and myself were does it end as this can create ********** purchases and it can be honored in my behalf with out my permission To top it off I'm now sitting with a overdrawn credit card to a credit limit I never knew I had I wonder whan next standard bank can surprise me with after this My advice is to run far away from standard bank rather deal with capitec they much more transparent