Paying for an account I can't use for almost 4 months...

It has been 3 months. I app**** for my credit card, sent through my FICA docs after being provisionally accepted, - TWICE - however I never received my card, received no confirmation of formal acceptance or any details. How I found out that everything was approved was through my card statement and bill. So it has been 3 months, I have phoned again and again, escalated the matter through complaints, even phoned today, the consultant said that she would put me through to Robyn (apparently the consultant dealing with the matter to assist) and then I was just on hold for another 20+ minutes! Worst process of joining a bank and just horrific service! So now going into month 4, paying and being debited for banking charges for probably maintaining the account, getting statements but don't have a card or any service.