Who approved this credit card in my name?!

I'm appalled at the service regarding a credit card issued to me. I was contacted by Louisa Ndebele who offered me a credit card. <br> <br> To get a quote I had to go through the \application process"and was assured nothing would be done until I accepted the quote. I was also assured I'd get a reference number for the call which I never did. I also never received the quote. <br> <br> This weekend I started getting smses saying my credit card was ready for collection and I saw it linked on my account. WHO APPROVED THIS??? <br> <br> If you listen to the recording I am quite plain when I say \""I approve for a QUOTE to be sent to me but I DO NOT approve the credit card\"". <br> <br> During the conversation with Louisa I asked are there any costs involved with a credit card. She said no. Later in the conversation it came out that there is a R40/month cost. Now after I received the quote (having called in to query it) I see there is also a R150 initiation fee"