ACCESSIVE BILLINGS

I opened an account with Woolworths last year in August. As is expected, you fill in an application form for credit approval and receive a call within hours or days depending. Woolworths called and said I qualified for R3000 but on my contract ,nothing stated that I would pay 21% and a monthly fee of R30 ,cause if I was told the fee charges I would not collected my Store card and signed for it. Nothing states that my account is a 6 months or 12 months !I have been frustrated by the call centre people telling me "but you signed on the contract when you collected the card". I said that my agreement was falsified with an "attachment agreement" which did not coincide with the original credit agreement .When I phoned requesting a copy of my credit agreement I received a quick work out agreement which was sent on the 29th August 2017, one could see that this was done out of ,either panick or concern because a customer was requesting a copy of his credit agreement. Still not getting any help from WOOLIES!