Credit Card payment not going through

My monthly payment is scheduled to go off my credit card. For Decemeber and January no payment went off. I didn't notice this myself, but neither did I receive any notification on the PVR, cellphone or email regarding my account being in arrears.<br> <br> This morning van subscription was cancelled!! I had to go through the effort to make efts etc in order to get my dstv reconnected.<br> <br> On the USSD string it says my next payment is due Sep 2015 and on the website it says different amounts. When trying to make a credit payment online PAYU is giving issues.<br> <br> It is pathetic to see that a company such as multichoice got such a bad self service portal on the internet, USSD channel that is not working correctly, and when you punch in your id nr when phoning in that you need to tell the agent again what your ID nr is. What is wrong with your IVR?<br> <br> DO YOU HAVE ANY CHANNEL OF COMMUNICATION THAT IS ACTUALLY WORKING 100%!!!