STD bank Credit Card division is *************

Standard Bank Credit card division is not a good product. 'Standard Bank Credit Card statement for card ending ...as at 13 Jan, A min payment of ...is due by 7 Feb'. 1. I signed for the 20th of every month the debit payments for the credit card payment. I have cheque with them, where they debit. 2. I then noticed they do not adhere to the date,. As shown in texts I get as reminders, that was for January payment text. 3. I just thought to let it go since I also noticed the amount transfered from Absa where my salary is paid, takes more than 24hours to reflect. 4. Despite the text sent as usual, they debited on the 20th which falls on the weekend, this time. I made transfer which is even triple the amount required on the 20th the day the debit. The payment was returned unpaid. 5. They had then closed the card and were on the process to send it for collections. 6. When they review my payment history, I know they realized I had even been paying over 4000 monthly on the credit card. To say they saw red flags would be a lie. 7. My issue with them is inefficiency and ruthlessness when dealing with this. They are responsible for the dates mix up from the very onset. They acted this way for charges, I conclude. 8. If I was consulted they would have realized there was a mixup of dates, and this could have been sorted fairly. 9 STD cannot act immune to card *****. I have no problem deciding to withold their credit. I was in no need for urgent money. Why not then withhold their balance of credit and leave the amount owed reflecting? If in this process the card was being used. How would I know the card was being used.? 10. I called them, got sent from one banker to the next to know what was going on. That amount owed is mine to raise an alarm if it shows activity on the card. Why hide that part of information. I know people have lost money more than daily limits. Who is to say while withheld it cannot be used. If what I owe is hidden from me, how do I know there is unauthorized activity on the card STD bank should have spoken to me. fix the mix-up. I fail to understand this business practice.