Worst experience ever

Am so disappointed. Been using this bank since 2016 never had a problem. I can't do online shopping or any online transfers.. they say the problem is cause I don't have a credit card really. They don't know what their doing , been visiting different branches for help just not to get helped. In this lockdown dilemma they were suppose to know that their online system is supposed to work so that I don't have to go to the stores. What makes it worse it's not my first time doing online transfers only now they don't understand what the problem is.