BAD NAMING ME FOR NO REASON

I HAVE AN ACCOUNT WITH TELKOM TELPHONE AND UNCAPPED INTERNET WHICH I PAY EVERY MONTH AS I AM USING IT BUT LAST WEEK I APP**** FOR A CREDIT CARD WITH MY BANK NEDBANK AND THEY TOLD ME ITS DECLINED AS TELKOM HAS PUT ME ON THE CREDIT BEREAU SO IM REALLY SURPRISED HOW THIS IS POSSIBLE