No credit card delivered, but Nedbank is debiting my account

Good morning.

We app**** for a Nedbank credit card and the account was approved. We heard nothing further from Nedbank. Today we drew a credit report just to see that the account is appearing on our credit report, but we have not even received any further feedback from Nedbank, including NO CARD. How is Nedbank able to debit my account for the monthly fees without even providing me with the credit card. We will be contacting the Financial Ombudsman today,