Horrible service

I app**** for a credit card and recently received it and was able to use it until yesterday. I tried using it and it declined. I thought it was an issue with the paypoint so ignored it. Today I tried using the card at an ATM and it kept spitting my card out saying that funds were not available to me and to contact the branch. I then called and was told that I need to Fica my account. I mean I wasn't even notified prior to calling that my card will be frozen until I Fica. I'm sure the norm is to notify clients before. I did not receive a call a SMS or an email. To me this is horrible service and very embarrassing for me as a customer. Who's fault is this? Now I must not go to work and run around getting documents together for the incompetence of Nedbank staff. Very appalled.