Bank fraud

Has anyone needed to activate a new debit card (replacement only) where you receive a telephone number to call to activate the card, when you call this number a taped voice tells you to enter your debit card number, this number is not recognised you will hear, then you can hear the call getting transferred. The next voice is an actual human who activates the card for you, so far so good and quite simple. Job done, wrong, just as you are about to hang up you now find why they didn't activate your card with the robot,because the big sell is on and they want you to take out their fraud insurance which sounds free but it’s not, its £6 a month and lo and behold you need to pay up front,£70 thanks and you can't pay per month, are you still with me? don't worry, as the girl assures me, if you haven't got the money just spread the cost, put it onto a credit card. This is what I call hard Sale tactics. Shame on this bank, Australian owned, and is named after a big hoofed horse. The operators have been trained well on how to capture a poor unsuspecting person, I told her four times I did not have a credit card but she kept on persisting what a brilliant deal it was. I now know what the above horse feels like I was naying and naying to no avail,I bet some weaker people will be £70 plus interest less in their bank account , and all they were trying to do was activate a number. The only fraud protection anyone needs is against banks.