Standard Bank clearly moving backwards

Where do I begin!! Standard Bank phoned ME to offer me a Gold Credit Card. Since then I have had to go back and forth 3 times to the branch just to get my pin. <br> <br> After sorting out the pin I tried today to make a once off payment to a merchant only to find out that my monthly limit is not set. So I phone the number provided on screen. I must have been on the line for about an hour and still nobody can help me out.<br> <br> I have not even used the credit card to buy myself something and I'm already R498 in the red because of \admin and service fees".<br> <br> What a joke!! Now I must go back to the useless branch and stand in line for another half an hour just to set a limit on my credit card. Absolutely..... I don't have words."""