******** and rude

I am so frustrated with this bank. First of all logging into their banking app is a nightmare - it always takes a few tries (not due to password mistakes). I have a credit card with them so that I can get the Discovery Watch Benefit - in order to have that benefit you need R15 000 credit. I always ensure that my credit cards are paid in full because I do not want to pay credit. I only see now that they increased my credit to R20 000, without informing me...three weeks after I received the credit card. I therefore have been using approximately R5000 credit without realising (I always ensured my balance was just above R15 000). I looked on my app and see there are two 'contracts' my name -one in October and one in November. When I asked how it is possible that two contracts exists I was informed that I must have ticked the box on the app which said that I should have an automatic credit increase. I asked for evidence of ticking this box and I was told that it could not be provided. I was then to top it all off I was told by the consultant that 'I should not have agreed to the T&Cs if I did not understand them. I then asked to speak to her superior and was informed that someone would call me and the phone was put down in my ear