Don't charge me card protection fees when my account is in credit

<p>My account has been in credit for a few months, but Woolworths is still charging me card protection fee. I phoned to get this removed but was told that I had to pay this because it would cover me if I defaulted. Trying to explain that Woolworths owed me money, and that charging me for this was ludicrous. I even tried to close my account, but the process is so complicated I will have to go to the store and get a refund and close my account there. I have always admired Woolworths, but their customer service has deteriorated so drastically, it seems like a different company.</p>