Standard bank unexplained charges

I paid off my credit card with standard bank on the 04th Feb 2025. The credit card was on a zero balance /+balance This morning Standard bank has charged the same credit card with a +balance or owing zero amount with Cash finance charge of R601.45 . There are no transactions on the credit card why am I being debited R601.45.

There service fee of R40 and R23 card fee, Am I not supposed to be charged Service fee and card fee when there are transactions on the credit card. The Cash Finance charge of R601.45 ....what is it based on???? Standard bank has been a headache.