Shirking applicable National Credit Act No 34 (2005) legal requirements - credit card

On the 31st March 2016, at the Overport Durban branch, the above-mentioned was submitted for review by an employee by the name of Mannika. Still to date there has been no legal reason provided as to the refusal of credit nor feedback from the 'Head Office' nor this branch in this matter. Calling the call center is a patent joke and quite appalling for an institution calling itself a bank. At this stage, I am requesting a written response before handing the matter over to the National Credit Regulator for review and enforcement of the NCA.