Standard MasterCard the Master of Card charges

Standard Bank MasterCard is the master of card charges. Do not ever think that the R20.00 card fee and the R40.00 service fee buys you anything. Try and work out how much R60.00 per month times their number of card holders comes to and then amaze yourself at the amount of service you get for that. I have been charged R17.00 with an obscure reference namely "Microsoft". Intrigued, I asked what that is about? It took them half a week to infirm me that it will cost me a further R44.00 to find out who charged me R17.00 . This is as scaly as money laundering, and it is by a Bank?!