Nedbank Credit Cards Department are Horrible and operate contravention of the Law

I am shocked for someone coming from the banking industry to my disbelief I've been issued a credit card without accepting a quote, nor was an interest rate disclosed to me.

To give you more background information, I app**** for a credit card and had a special request. After seeing "clearscore" advert on dstv, I did a credit check and saw American Express cards had 17.75% interest rates advertised. Hence I app****, so I explained my conditions before I would accept. I have a R190000 credit card facility with ABSA Bank at an interest rate of 20.25%, so if Nedbank could beat this interest rate and match the credit facility or give additional credit I would've been satisfied.

Now I hear my credit card has been delivered and I never accepted any quotes.