Standard Bank Honouring fee must be stop

Standard Bank has been persistent on this honouring fee. How do they explain this inconvenience they put on my account. The best way that I get to enjoy Standard Bank MyMo acc is when I'm not using my card. So I transfer funds to Capitec when I want to swipe. Every time I swipe with STD bank card, with enough funds in my acc, I get to pay honouring fee. I went to the Sunnyside branch and asked for clarification on the subject n the answer was too hard to leave with. For example , if I swipe pizza for R150 n I only have R148 in my acc, the bank will only penalize me for overdrawn fee but also the R150 (Honouring Fee). How is this practice even legal anywhere in the world. I now have to be careful as to when I make transactions using the card. I wanted to see if the card will buy when my acc is at R0 but it declined. I went on n tried to buy when short of R20 and the card declined again. Now I came to a conclusion that the honouring fee is a **** that Standard Bank is using to steel my money. Where does one go to get help with this matter because it looks like the level of *******ion in this country is so high. I don't know how to fight this unfairness. Will closing my account solve the problem? I don't think so. I would like to see MyMo account discontinued.