Terribly confusing and drawn out application process.

New account application is done on Friday morning - proof of employment template sent to HR and received back - yet the card is not activated as yet and it's almost Mid-day Monday.

When phoning the contact centre a range of stories is received: Application is still pending - and someone needs to contact me to complete this Proof of employment is still pending - they've received written but require telephonic - how on earth is it viable that both are required, and how is telephonic in any way more secure than written confirmation - aside from the fact that both bank statements and payslips are provided with the company name/date of employment etc on it? There are docs outstanding - but no one knows which docs.

Top it off - I'm not a first time customer - returning customer and still employed at the same company.

Try to register to manage the account online - error - it appears we do not have the correct cell phone number on the system for you, please go to your nearest branch. Which I'm pretty sure is exactly what I did Friday morning and updated all my details whilst there.

Never in my life struggled this much with a credit card. At this stage, it either gets activated today or it can be cancelled and I go somewhere else.