Shocking service from Woolworths Financial Services

Woolworths should not associate their name with Woolworths Financial Services - I have never experienced such bad service from anything relating to Woolworths. I have been issued 2 credit cards since 19 November and none of them work. No one has a clue on what is going on. WFS want to charge me R199 initiation fee, R69 monthly fee and interest before they will close the account. And out of about 6-7 transactions, only the very first one has worked and everything else is declined. How bad is this, Woolworths? You clearly do not care! This is the kind of thing PnP would do. After a lot of frustrating calls and shouting, they have finally managed to waive the initation fee but now want to charge me for a monthly fee? And interest on a transaction that took place not even 2 weeks ago?