Call Centre Agents Don't Know Their Own Products

Received a call from Nedbank call centre to find out why I wasn't using my credit card which I app**** for in August - BECAUSE I NEVER RECEIVED THE CARD. It is now almost November and I haven't received a card however I have been charged over R200 in fees. The call centre agent then told me she could see it hadn't been dispatched to me. I then told them to rather just cancel it because I have since app**** for and received another card. In trying to talk me out of it she explained the concept of "up to 55 days interest free" - which she clearly had no understanding of. In her view, if you bought something on 1 November and settled in full on 10 November (with no other balance on the card) you then got 45 days interest free - cause you paid 45 days early. WHAT A LOAD of *******. That is not interest free - that just means you aren't charging me interest for those 45 days because you cant as I do not owe you anything as the card would have been settled in full. This can't be right - she clearly does not understand their own products. However she accused me of not understanding and suggested I go to the branch to get someone to explain to me face to face. I suggest training these call centre agents - because they clearly are out of their depth! I have since cancelled the account - at least the lady who phoned me back today regarding the cancellation was quite helpful! (hence the 2 stars)