Credit card *****

On Monday 13th July 202 my credit cards were used online for *****. Goods of a value R34000. My cards were mainly used to shop at MTN, Vodacom, Cell C and Superbalist. The very same day I contacted these above mentioned stores and I was asked if I have opened a case I told them yes . Superbalist then asked for the transaction date, amount used and the card last 4 digit I gave them and they told me they can see the transaction from their side and they have cancelled it but Standard Bank need to give them the go ahead so they can get the funds back into my credit card. Standard bank declined my case on bases that I compromised my own details. No investigation was done nothing and when you call to log a complaint and do a follow up. But the person you were dealing with is no longer there and the case is not looked at.They constantly passing you on and none of the people you speak to can ever help you. Superbalist wants to refund me but they cant because Standard bank won't give them the go ahead. Bear in mind that transaction that went through on my credit card were of a value that is almost 3 times the funds available on my credit card, Why was this even allowed if there were insufficient funds? To make matters even worse The Bank want me to pay all this. Is that fair ? Very disappointing and sad how standard bank treat its customers. The Consultant are very rude . They drop the calls whilst you speak to them.