Discovery credit card

I regret the day I opened Discovery bank account which I closed within a short period of time as their are useless. I should have done the same with their credit card but I did not as thought was good. Actually it was worse to move of discovery credit card from FNB. It was better managed when it was under FNB. I am struggling to understand the reasons they don't have a credit insurance. I'm retrenched since April 2020 and I app**** for credit insurance claim but it seems like emails are not going through. Instead I get calls from MBD that my account has been legally handed to them. They also can't explain why the financial institution like Discovery doesn't have a credit insurance? I am unemployed I cannot afford to pay them until I find a job that's what I told the caller from MBD. This is a company that irritate me with calls every day and when I pick their calls they always drop it. I think something is not right for the consumer to be treated like these. Do I send my complaint about the credit insurance issue to ombudsman or NCR.