I struggled with the same BS and have gone round and round with Standard bank for over 2 years now and this is what I have figured out and worked out about this nonesense... SB credit cards are ONLY good for swiping... anything other than that you get charged for. Finace charge - interest on total used in normal card swipes Cash finance charge - any amount that is used that is not physically swiped for (transfers, payments, etc). SB classes this as a CASH withdrawl & so charges you interest seperately on this amount... since this is interest charged, it cannot be settled unless the entire outstanding amount is paid in full. Card fee - charged for all the useless services that should be optional extra (movie tickets, plane ticket disc, etc), but do not allow the option to opt out. service fee - std account fee extra charges - extra fees we have to pay on top of all this for every transfer, payment, pre-paid that is made not SWIPING the card. This structure is completely rediculous & I only wish I knew what Idiot thought this up so I could smack them! I also think all these extra charges for NOT swiping are just pure theft and BS... just another way of stealing our money to boost their profits and is unacceptable. The support staff are seriously ill trained and the fact it has taken me so long to get a full answer because NO ONE at standard bank actually knows what the hell is going on, it beyond shameful and I am approaching the CPA to further investigate this nonsense.
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