Credit Card

I have been dealing with MBD supposedly Standard bank collection agent or whatever, for over a year now, these people call me everyday on my two lines for and outsanding credit card. Hence my gripe is my lender Standard Bank. What they are doing is tantamount to harrasment. I have told them of my financial situation and that I am on the Goverment SRD grant, but they want me to make a promise to pay, which I did but they want a specific date which I am unable to make as I have no source of income to make that committment or I would be lying. The bills on the phone build up into my balance and they seem not to care. For them to issue me a credit card they required a payslip and bank statement to confirm ability to pay then, but now those parameters are not there as I am currently out of employment, but they continue to write me meaningless and times painful messages like, "use your credit card to pay", "use your tax refund" from where, I do not know. It seems the right hand does not know what the left is doing but claim the messages are recorded. My committment is to them is that I will pay when I am financially rehabilitated as I am engaging in other activities to try and generate an income, calling me everyday does not generate money is stressful and I take it as a sucide inducing mechanism which a person under mental stress might not endure. Owing a company should not open that client to abusive follow ups.