applying for upgrade creditcard via online banki

I went into my online banking this morning and there was a message that I can upgrade to a premier credit card. After I have completed the application I could not access any money or make transfers. There was no warning on the system to inform me that this will happen and that I won't be able to access my funds. I am on my way to a course in cape town and have no access to my money. I phoned the credit cad decision and they cannot assist me to either stop the process or keep the funds available on my gold credit card or transfer it to my check account. This is really bad service delivery and tcf does not play a role by them now. Why do they not warn people before making the application that this is what is going to happen. This is all done so that the bank can get more income on transaction fees and higher card costs. The only winner in this regard is the bank. I am still without money and cannot make any transfers from either the gold or platinum account.