Most expensive card and worst service

I can't make a payment online so I call their call centre. They can't solve my problem as usual so they palm me off to FNB ***** to solve my online secure issue. FNB ***** puts me on hold for 15 mins eventually someone bothers to answer i describe my problem, without asking my personal details I get put on hold for another 10 mins and someone else answers who knows nothing about my problem so I have to explain again. I then run out airtime since my call is now exceeding half an hour. This is the most pathetic and expensive card ever, they charge you so much money for the card and it doesn't even work and their service is pathetic. Do your self a favour avoid the stress and frustration of trying to use this **** credit card.