INFORMATION PROVIDED DOES NOT ADD UP

I have a credit with Standard Bank and have been managing it very well since I have received the card. I would purchase items on my credit can then transfer the same amount the evening since I cannot swipe those big amoounts on my Current account, I have chosen this due to safety reasons. Standard Bank has recently changed their system (which I only found out today). If you transfer any amount of money into the account, it will firstly deduct it from your due debit order and then it will be allocated to your budget instalments and then it will be added to your straight. Now I have budgets in place because I can pay those amounts per month agreed upon with Standard Bank but now it is allocated to the budgets and then I STILL have to pay the amount I swiped. This is not fair because I don't have that kind of money the next month, that is why I pay it this month. So even though my budget instalments will go down, it does not compensate for the amount that I now have to pay \double\". The other problem I have it when I phone Standard Bank, they cannot explain to me what is going on in the account like my statement does. They don't even know the % my straight plan goes through. "