Loan without proper approval

I app**** for a credit card in May 2024, receiving an approved limit of R150,000 but opted to take only R100,000, using it to pay off a loan and renovate my home. Later, realizing I needed more money, I requested an increase in my credit card limit in late June. However, on July 3, 2024, instead of receiving the requested credit card increase, a loan of R99,500 was deposited into my MyWORLD account without proper communication or approval. I did not authorize the loan via phone or the app and requested that the loan amount be transferred to my credit card, as originally intended. I also requested evidence of the loan approval that was made via the app (allegedly) but still have not receive any evidence. The telephone records have also not been provided as I requested.

The only 2 messages I received after applying for the credit card increase follows:

(a. Africanbank: Hello MS CARSTENS, your funds will be available in your bank account within 24?48 hours. A reminder, your first repayment will be for an amount of R4 786.67 deducted on the date stipulated on your contract. Auth. FSP contract Reg NCRCP7638). Thinking this is my monthly instalment on my credit card. (b. Africanbank. Ms Carsteens, Your funds have been paid into your MyWORLD account. Download the App to transact on your phone. ***Auth. FSP Reg NCRCP7638). Still thinking it is paid into this account because my Credit Card and MYWORLD account are linked.