Well I guess the 'First Smart Guy' is me! The carrier only adds a PUK Lock for a few reasons, usually because the phone you bought in the pub is stolen. The owner reported it stolen and because the carrier is upset, they lock it so no one, and I mean NO ONE can use it. They lock it with a 128 bit RSA Encryption Code. To put the strength of this in perspective, if you set 10 modern computers trying random codes, your would be in you box in the ground before they worked it out, if ever.
So the other scenario is that your girlfriend tried 6 tries to get into your phone while you are in the shower trying to see who you keep texting all the time. When that happens, the carrier locks it because someone is obviously trying to access the phone that doesn't know the code. So you phone up the Carrier and explain. They ask you a load of security question and they give you the 8 to 10 digit lock code, yes 8 to 10 digits and yet your bank card only has 4!
So in short, there is no way to get a PUK Code. It is locked at firmware level with the MIGHTY Combination Lock.
Did I send you this one before, or my more technical version.
https://www.fixya.com/support/r26230986-phone_asks_puk_code_ask_another_way
Other version
https://www.fixya.com/support/r26056685-phone_asking_puk_code
There are people in this link that will charge you a fee to unlock your phone, but they are talking about a consumer set passcode. Some will try and Jailbreak it by adding new firmware written by 'script kiddies'. Good luck with that against the RSA Encryption Code, you end up with more of a paperweight than you already have.
https://www.google.com/search?q=Puk+unlock+code+for+ZTE+Z792
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