Credit Card *****

I had phoned Standard Bank ***** Dept. to report ********** activities on my Credit Card on Tuesday, 12-01-2021. I received a REF= ***. I had no response from the Bank until i called them today...I was told that my Case was declined. Firstly, Standard Bank didnt have the decency to tell me this or call me...Secondly, the amount deducted was almost R20000 over my credit limit/overdraft. How can Standard Bank authorize payments if its over my Credit limit. Poor, disgusting service from Standard Bank....