STANDARD BANK REVOLVING CREDIT FACILITY

I Been banking with standard bank for the past 18years+ and have a Revolving credit Facility for the past 5years+ which is usually debited close to the 25th of every month. In the past month (SEPTEMBER) i was debited around the 25th as usual. Then I was debited on the 1st of OCTOBER again for the month of September. Called the prestige line to only get advised that my debit was set to the 3rd of every month. Even thou I did not miss any debits on this facility or cater for this debit I called in the prestige line and asked the banker to reverse it as it does put me in a situation where i cannot financially get through the month. The prestige banker advised that because "MY ACCOUNT IS UP TO DATE" the only way this can be reversed is if I miss a payment and it goes for collections.

I do ask and this is for my future business with Standard bank, do I have to be a bad payer and allow my account to go into arrears in order to get assistance?

I still am unsure how i am going to afford to commute to work without this money that you have taken so it will definitely mean less income - short time and eventually this and other accounts will go to collections.