Difficult to open an account

Really not a great experience. I tried to open a credit card facility. Not because I needed one but I wanted to open it in order maximise my Vitality Rewards. I downloaded the app and selected the credit card option. I provided the necessary documents and yet I still had requests to provide the same documentation days later. Fast forward to now and they opened a transactional account in error. I then had to sit with 3 different operators where they then said it will take 8 working days to close the incorrect account and I still need to pay the R165 opening fee for the wrong account. The operator very rudely said I selected the wrong option therefore I should pay. The operators seem to be unhelpful and very unfriendly.