Abroad and without funds!!

I have full signing powers on my husband accounts has we works abroad. We recently moved over from ABSA to FNB because of customer service- boy what a shock!From the beginning we have non stop issues with FNB.This morning I got sms'e say cardXX has declined on code D055 this is for swiping and cash withdrawal.Knowing my husband is in Malawi I call the the premier suite. As there is no use in emailing or sending them a message as no one ever responds!Went through the whole story just to hear- \sorry I cant help you as I need to speak to the primary account holder\".Reason why I have signing powers was if there was trouble I would be able to sort it out- guess what not with FNB!!Back and forth the whole day, husband still cant draw money nor swipe as everything declines!!To top it off- I did do a limit increase yesterday online on the credit card.You click online on the limit increase button yet it goes through to Credit Card as a upgrade/limit increase.So now we have a new upgraded account(which we didnt want!!)and a cancel card!!So now I have an upset husband in a foreign country-out of cellphone reception, without cash which cant swipe a cheque nor CC and all FNB can say is SORRY!!"