Discovery bank credit account

On 13 August 2025: Discovery Bank call centre representative made a blind call to myself asking whether ! would like to open a Discovery Credit card account. I indicated that I might be interested but would like to understand more of what the terms and conditions would be. The representative transferred the call to a financial advisor (Natasha). I made it clear that I first want to know what the credit I will qualify for will be before I make a call on opening an account/not. The financial advisor explained that I have to send specific documents to her and then had to complete some personal info on the Discovery app and then she can tell me what credit I will quality for. Natasha then informed me that I will qualify only for a R750 credit limit and I responded that l am not interested to open the credit account for R750 uhie. I have record where I insisted that I do not want this account. The financial advisor then merely said the account is already opened (from the 1* blind call until I said I do not want an account opened was merely a day or 2) and I have to contact Discovery Distributions to close the account. I was at a loss of words to understand how the account is 'already' open and that I have to contact another division in Discovery to now request the closure of an account which I never agreed to open in the first place. I did contract Discovery via email and received a message back that i have to pay a settlement amount (R460) to close the account, this is absurd. I responded with explaining the situation and there can surely not be an expectation for me to pay this amount? I received no response other than the settlement amount was not paid (I was still querying this and not the account will stay open with a fee being raised every month, receiving emails that my account (which I never wanted) will be handed over to a debt collecting agent. I am a young man, starting with my career and cannot have these bad messages on my credit record; have not done anything to deserve a settlement fee and monthly fees for an account I never agreed to be opened. Can someone please speak or respond to me with a phone call to resolve the matter.