Standard Bank charges

Standard bank should be absolutely ashamed of themselves for the **************** of there credit card charges. Out of a monthly payment the charges alone are R504.56 Protection policy R100.93 Finance charge R138.63 Cash finance charge R211.00 Service fee R40.00 Card fee R14.00 How can anyone build up credit or close the card with such an exuberant amount of charges? It's more than the actual payment that needs to be made. It's a disgrace and shameful, nevermind the charges on your seperate bank account! Would definitely not recommend this institution to anyone!