Heard of the National Credit Act No 34 (2005)?

When a submission via Standard Bank's online application for a Credit Card on about 8 May 2015 is missed without response. You allow for tech *****-ups by contacting Standard Bank via Facebook and it's corrected and the substantiating information is reviewed by Carin Swartz. You get a denial via SMS even if it's a little hard to believe considering your very good credit rating but when you request the REASONS for such a denial, there is NO response! Further investigation has led me to find that FOUR credit queries were lodged against my ID as follows for a SINGLE application: Experian - 8 May 2015