first month of bad service

i went to open a current account at Midrand with thandi who told me my cheque account was approved how ever the cheque card was declined. That doesn't make sense, how ever she told me this will be refered to another department so it can be approved and its gona delay. i then called the call centre using my office number *** and the agent advised me i must go to teh branch and collect my card of which i did today. i waited for an hour to be serviced at enquiries and the consultant told me that the card isn't there and my card was declined. she further told me i must wait for 6 months before i can receive my card.<br> i was told that was name was in legal since my previous student cheque account was on minus balance of which wasn't my fault. like 10 years back i went to a durban branch to close my student cheque account but \they decided not to close the account"and it accumulated -R1000 charges of which they confirmed via a phone call on my cell ***. so my question now is"