Online debit/credit transaction purchase unsuccessful

We app**** for a joint bond with my husband last year and after that application my credit profile was messed up. I am unable to process online budget applications or anything to do with credit for that matter. The frustrating thing is that I must always do manual applications inside the bank. Standard bank has limited contact centre's around where I live which means I must go to town and they are always full with people to be served. I don't know who was handling our bond application but that person made it as if I am the one paying the bond which is not true. Someone must fix this because I can't live like this. I don't usually abuse the credit that I qualify for but at the same time I must be able to use it when I want to. I was trying to purchase a front loader on the Samsung website. I tried to process the purchase on both my cheque and credit card and it just declines even when there is money available to buy. I called Samsung and they referred me to the bank. I have been waiting forever on the call center without assistance.