Standard bank gets worse by the day!

I have been with standard bank for many years now. Recently (end of November 2024), I paid up a lump sum to close my credit card, they have been giving me the run around to this day I haven't received assistance with closing down my credit card account. I spoke to some rude call centre agent about that on the 19th Secondly I have a loan with them that debits money on the last day of the month. This month they debited money on the 17th I am still confused as to why and how. I called and I was told that in December debit orders are made earlier. Why? Why isn't this communicated with me because I don't get my salary earlier in December and the money they too was meant for other things. Lastly there are always suspicious transactions that happen in my account ********ly , transactions that I don't understand and the reference is "honoring" fee