Standard Bank Card ***** Division

I recently fell for a Credit Card ****, so well "presented" so I was convinced it was genuine. They had all my personal details, Mobile Phone number, etc. Once I realised the ***** I attempted to call their Emergency Lines never able to speak to a human to report the problem despite numerous efforts! I then resorted to e-mail messages but only received an automated response! I'm convinced this was an "inside job" and my many calls were "blocked" as they recognised my number! My card was "hacked" way over my Limit. In the evening, hours later, I was called by, what I hoped was the genuine ***** Division, informing me of all the transactions (never queried by them at the time as suspicious). When I asked how it was possible to allow transactions that exceeded my Limit, they quickly reversed these. I enquired why they then could not reverse all? Needless to say, I'm R 46 000, 00 poorer!